| With the support and promotion of Internet finance in China in recent years,the P2 P online loan industry is now showing a blowout development trend in China,and the transaction scale has achieved a leapfrog growth.Due to the great limitations in the traditional lending industry,the traditional lending ind ustry has always been in a blank in the small lending businesses such as personal lending and small and medium-sized enterprise lending.P2 P online lending can make up the gap in the traditional lending industry with its advantages.Along with the developm ent of the P2 P network credit industry,operating management problems in peer-to-peer(P2P)network in our country credit platform also repeatedly exposed,for example,due to the liquidity risk,the operation mode of disclosure of information is not compl ete due to the problem such as credit information asymmetry,in the face of this series of operations management problems,platform itself only optimizing the operating platform,strengthen the operational risk control,can in the fierce competition in the P2 P network to borrow in the market steady development.P2P network credit platform of the most representative of the L ianying platform,this article from the perspective of operation management,P2 P network platform to do research,the influence of loan set Lianying platform as the research object,the operation management system combined with the actual situation of the L ianying platform cloud operating,to study the Lianying platform to optimize operation management and through data collection,data statistics,research methods such as investigating Lianying platform operation management actual situation,based on facts.This paper takes the process of operation management as the framework to carry out.First of all,the theoretical basis of operation management is understood,including the definition,content and basic process of operation management,so as to lay a strong theoretical foundation for the implementation of operation management optimization.Secondly,based on the status of Lianying platform operation and management of the implementation is analyzed,through the study on the current status of the L ianying platform out the operational management of the existing problems,including product design reasonable owe,borrowing trading is not perfec t,post-loan management owe specification,at the same time,according to the Lianying problems in operational management platform part put forward the optimization advice,make product design more reasonable,more rich content;Lending transactions more p erfect,more comprehensive process;Post-loan management more timely,collect pay more specifications,according to the P2 P network industry market environment,put forward a series of security measures,including perfecting the P2 P network credit industry regulatory standards,actively expand overseas layout,the introduction of professional talents to strengthen the construction of platform of internal control,raise awareness of the risk of investors and other security measures to ensure that the P2 P net work credit Lianying platform operation management optimization project smooth implementation.The contribution of this paper mainly has two aspects,on the one hand,from the perspective of P2 P network platform loan itself research on the problems existin g in the operation management,through the problem targeted put forward the corresponding optimization and security,enrich the P2 P network credit research in the field of operations management platform,on the other hand,through the study of P2 P network platform loan operation management we are effective in reducing the risk of platform,platform senior management can enhance the effective management of the platform,according to research platform for investors and borrowers can better platform lending activities,to achieve their own investment and borrowing. |
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