Research On Risk Management And Control Of Network Lending Cluster Based On Supernetwork

Today,China's economy has entered a new stage of development-the new normal,financial liberalization,Internet+,direct financing has become the trend of financial development,P2P network loans will rely on its low threshold,high yield,convenient operation Its unique advantages have become the forerunner of Internet finance,and it has grown rapidly in China.The number of online loan companies has expanded dramatically.P2P online loans not only diversifies the investment channels of investors,but also reduces the pressure of personal and small-and micro-enterprise financing application difficulties.P2P network loans are realized through private loans.The good vision of inclusive finance is in line with the "Internet+" thinking trend.However,due to the lack of accumulated historical experience,it has encountered many difficulties in the development process,with frequent problems,such as P2P loan companies defaulting,running routes,etc.The continuous emergence of events has severely dampened the enthusiasm of investors for investment and has affected the healthy development of the P2P online loan industry.In the study of this paper,first of all,analyze the status quo of P2P network lending,and find out the dilemmas that make government departments dilemma,namely,scale dilemma and regulatory dilemma.Then it analyzes the dilemma faced by the government departments,and puts forward ways to regulate the risks of P2P network loan clusters,and puts forward the concept of P2P network loan clusters.This article elaborated on the concept,construction of P2P network loan cluster,and its advantages in network structure and risk management and control.Based on the differences in risk management and control,a super-network model based on P2P network loan clusters is constructed.Finally,a comparative analysis of the trading profits of the normalized and non-standardized clustering states formed by P2P online loan companies under equilibrium conditions is conducted.The simulation results of the model example show that,under equilibrium conditions,the P2P network loan's trading profit under the standard cluster condition is greater than the profit under the standard specification cluster condition.That is,the P2P network loan cluster can generate the cluster surplus,which proves the P2P network loan cluster.The rationality also explains the evolution of the P2P network loan industry to the P2P network loan cluster state,which provides feasible ideas and methods for external supervision and internal control,and further enables the P2P network loan industry to form "net loan companies" that are small but not weak."Networking loan clusters are "large but not rigid","network docking" and "dual creation","supervisory self-discipline","coordinated management and control",and a long-term mechanism for the orderly development of the online loan market.