Research On Risk Control Of Credit Transfer Of Creditease P2P Online Loan

As an emerging industry,P2 P network lending is an important part of Internet finance.It is a point-to-point,personal-to-individual lending on the Internet.The advantages of simplifying loan procedures,lowering the threshold for borrowing and lending,and improving financing efficiency have made P2 P online lending develop rapidly in China.To a certain extent,it has overcome the shortcomings of financial institutions represented by banks in issuing small loans,and has achieved the purpose of serving the real economy and realizing the development of inclusive finance.In the P2 P online lending industry,compared with other online lending models,the innovative model of P2 P online lending—credit transfer is more innovative.After the lender obtains the creditor's rights,the P2 P online lending platform will split the amount of the creditor's rights and transfer the period to the new investor.The model will meet the different needs of the financiers,with flexibility,initiative and convenience.The market injects more vitality.However,it is undeniable that due to the late start of Internet finance in China,the development process lacks favorable supervision and risk control,and the development of this model itself has great risks.Therefore,the P2 P industry should be innovative and compliant.In parallel,it is necessary to take appropriate risk control measures.This paper is mainly divided into the following parts.The first is to summarize the classification of foreign and domestic P2 P online loan models based on the research of related theories and concepts.A more detailed classification of the credit transfer model and a comparative analysis of its advantages and disadvantages,the conclusion that the development of credit transfer has more advantages and risks;the second is to analyze the online loan industry,through the industry P2 P Research on the number of online lending platforms,transaction size,and profitability to analyze the development status of the P2 P industry.Summarize and summarize the various types of risks existing in the industry and the relevant regulatory situation of the country in recent years.It can be seen that the development of the P2 P online lending industry will be more standardized.The third is the case study of the credit transfer business of CreditEase.The main body and products of each business segment and the company's own risk prevention system are introduced.Summarize the advantages of CreditEase in the development of credit transfer business and the various risk issues faced by CreditEase in this process,and propose corresponding risk control recommendations for existing problems.The focus of this paper is to analyze the risks that CreditEase has under the transfer of creditor's rights,and propose corresponding solutions to risk control.CreditEase is the earliest P2 P online lending company in China.It has pioneered the transfer of creditor's rights and has become a leading company in the industry with typical representation.On the basis of sufficient research on CreditEase,it puts forward some risk problems that CreditEase will encounter in this process,and proposes corresponding countermeasures and suggestions for these risks,which is of practical significance for promoting the development of CreditEase.At the end of this paper,some policy recommendations are also proposed,hoping to provide some reference for the future healthy development of companies such as CreditEase and even P2 P industry.