Case Study On Risk Management Of E-Rental Network Lending Platform

In recent years,with the rapid development of Internet finance,the traditional banking business has been unable to meet the diversified financing needs of the market,so there have been many financial innovations.With the rapid development of P2 P network lending in China,various kinds of problem platform events occur frequently,"e-renting treasure" is a typical one."E-rent treasure" is led by Anhui Yucheng group,which went online from July 2014 to December 2015.The case has an impact on 31 provinces and cities nationwide,involving a total amount of 50 billion yuan,involving more than 900000 related investors,with a wide range,a large amount and a bad impact.It's worth noting that before the inside story of the incident was exposed,many authoritative media such as xinhua.com,cctv.cn and China government.com had carried out positive publicity on it.So far,there are thousands of online loan platforms still running.In order to promote the healthy development of online loan industry and protect the rights and interests of investors,the typical case study of "e-renting treasure" is extremely important Necessary.This paper takes "e-rent-a-treasure" as the research object.By analyzing the operation mode of "e-rent-a-treasure",it is found that there are risks in P2 P platform,such as insufficient information disclosure,confusion of fund management,and so on.There are also risks in external supervision,such as imperfect control and blind investment by investors.These problems directly lead to the closure of "e-rent-a-treasure".In order to standardize the development order of P2 P platform and reduce the risk of network lending,this paper analyzes the "e" The risk management and control behind the closure of "rent treasure" put forward risk prevention suggestions from three aspects: internal risk management and control of online lending platform,improvement of risk prevention ability of investors and improvement of external supervision system,so as to provide reference and reference for the development of online lending industry in China.