Research On Financial Risk Prevention Of IQianjin P2P Lending Platform

The continuous development of Internet finance in recent years has led to continuous changes and reforms in the P2P network lending platform.In the years after the rise of the P2P platform,the number of P2P network lending platforms increased dramatically,and many platforms emerged.In 2018,the P2P online lending industry was destined to be a year of great color.In this year,there were too many unpredictable changes.The industry’s prosperity has fallen sharply due to concentrated thunderstorms;the supervision and introduction of policies have cracked down on Lao Lai and escaping debts;various platforms have worked hard to complete compliance inspections to achieve filing,and industry compliance has taken another step,changing 2018.Will even change the course of the future P2P online lending industry.It is known from the development process in recent years that with the continuous derivation of P2P network lending platforms in China,P2P network lending platforms have many new operating modes and even new business forms in China,which will lead to P2P network lending platforms.The risk regulation of the company itself and the external supervision of the industry associations become very cumbersome.According to various reasons,the entire P2P online lending industry may face various risks.In summary,the prevention of the financial risk of the P2P network lending platform plays a very important role in the development of the current P2P lending platform.This is also the main pur;pose of this paperAfter a series of discussions,after careful consideration,the 18-year-old P2P network lending platform,which is relatively stable after development,is the analysis object of the IQianjin online lending platform,researching its financial risks and constructing a single The variable financial risk early warning model is analyzed in detail,and how to analyze the financial risk of the prevention platform from these two aspects.First of all,it has studied and researched relevant literatures on P2P network lending platforms,financial risks and risk warnings at domestic and foreign,and constructed the basic points of the whole paper.Afterwards,under the premise of studying the overall environment of the entire network lending platform,the main risk categories faced and the risk factors,it is more complete to discuss how to identify the financial risks of the P2P network lending platform;Next,capitial risk,liquidity risk,asset quality risk,and profit model risk are analyzed and researched on the business data of IQianjin online lending platform.Then construct a univariate early warning model to analyze the financial statement data of the platform,and finally propose relevant prevention suggestions from these two aspects.After the above analysis and research,it is concluded that the risk of the four financial risks classified by the online lending platform in 2018 is relatively small After 18 years of implementation and implementation of the filing policy,the platform has gradually developed.And actively respond to national policies,actively filed and actively reformed.And through the establishment of a univariate early warning model for analysis and discussion,analysis of the DSCR,LOAR,ROA and ROE of IQianjin online lending platform,Found that the 18-year LOAR was planned and declined after the platform was adapted to its operational status.the development of the platform in 16 and 17 years is stable,and the profitability of the platform has declined in 18 years,mainly due to the weak situation of the lending industry environment.Therefore,the platform should properly improve its business type,and Attract customers,continuously strengthen the profitability of the company,and try not to make the net profit generated by each unit of assets continue to decline.In summary,the P2P network lending platform should discover its own financial risks,enhance the early warning system,and reform and strengthen its own risk management capabilities,and must actively respond to national policies and actively complete the filing,with the pace of the big industry.Towards compliance,we can continuously prevent the occurrence of our own financial risks.With the continuous reform and development of the Internet and financial industry,the P2P network lending industry will continue to optimize with the trend,and will become an important part of China’s Internet and financial industry.