Research On Risk Evaluation System Of P2P Network Loans Platform

In recent years,as Internet technology and information and communication technologies continue to make breakthroughs,the Internet and finance are rapidly integrated,and Internet finance has developed rapidly in China.As the country encourages the promotion of Internet finance policies,China's P2 P network loan industry has developed rapidly.Since the beginning of 2013,China's P2 P network lending platform has begun to appear in large numbers.In just a few years,it has grown to more than 5,000.However,the development of P2 P online loan industry is too rapid.There are lags in market supervision,rules and regulations,information disclosure,and industry self-regulation.P2 P network loan industry is a mixed bag,the quality of the platform is not guaranteed,and a large number of problem platforms continue to emerge.In just two years,the number of problem platforms increased from 1,855 to 4,039.The emergence of a large number of problem platforms has brought a heavy blow to the P2 P lending industry and disrupted the normal market order of the P2 P lending industry.The number of investment and financing involved in the running,losing,and closing of the P2 P network lending platform is huge,which not only inflicts heavy losses on inexperienced investors,but also increases the managerial difficulty of the supervisors.The P2 P online loan industry has undergone a brutal growth phase in the previous period.The problems have been fully exposed and it is imperative for regulators to intervene.This paper first analyzes the risk types and risk factors of P2 P network lending.Combined with the risk characteristics of P2 P online loan platform,a risk assessment system for P2 P network lending platform was established.This paper selects 66 P2 P online loan sample platforms,collects relevant data of the platform,uses the principal component analysis method to measure the platform's risk value,and judges the size of various online loan platform risks.Finally,based on the analysis of results,on the prevention of network lending platform risks,corresponding suggestions from the perspective of the P2 P online loan platform itself,regulatory authorities,and investors were put forward to contribute to the sustained and healthy development of the Internet lending industry.