Research On The Risk Regulation Of P2P Network Lending

With the development of information technology such as the Internet,P2P network lending has become an important channel for SMEs to invest and finance,but it has also generated various risks.Therefore,in order to standardize the development of the P2P network lending industry,risk regulation is particularly important.Risk regulation uses the theory and methods of risk management to effectively regulate the risk of P2P network lending.Therefore,it is important to establish a risk regulation model,namely risk identification-risk assessment-risk regulation measures to reduce or avoid the risk of P2P network lending.This paper first expounds the research background and research significance,and on this basis,combs the relevant theories and practices of domestic and foreign research literature and P2P network lending risk regulation.Thensthe paper analyzes the risk regulation process of P2P network lending and finds the problems and risks of current regulation.Then,using risk identification method,combined with research,expert scoring method and existing literature analysis,it is found that P2P network lending has five major types of risk and legal policy risks:political risk,credit risk,social risk,technical risk and liquidity risk.9 categories of risks such as public satisfaction risk.Then,from the four aspects of system,government,society and management,analyze the causes of the above risks.Then,the risk of P2P network lending is evaluated by analytic hierarchy process.Finally,on the basis of risk identification,cause analysis and risk assessment,the paper draws on the excellent experience of foreign countries,establishes a risk regulation model,and proposes five risk regulation measures:improving the construction of the regulatory legal system of the P2P network lending industry,improving the government management capacity,and improving the construction of the credit information system.Establish a fund custody system and foster an industry culture of integrity management.P2P network lending is an innovative measure to solve the difficulties of SMEs’investment and financing.It faces a lot of room for development in the new stage of exploration and development.By regulating the risks existing in practice,transaction costs can be effectively reduced,transaction efficiency can be improved,and the development of the real economy can be promoted.P2P network lending is an innovative measure to solve the difficulty of small and medium-sized enterprises’ investment and financing,and it faces great development space in the new stage of exploration and development.The regulation of risk in practice can effectively reduce transaction cost,improve transaction efficiency and promote the development of real economy.