The Research On Risk Management Of P2P Lending Platform Under The New Regulatory Policy

With the gradual popularization of the concept of Internet+,Internet+ thinking has gradually penetrated into the financial field,and Internet finance has emerged.P2 P is an innovative financial platform that is different from traditional finance.It makes full use of Internet technology to effectively reduce transaction costs and alleviate financing problems.Since 2007,P2 P has flourished at the same time,and the platform has been running,and fraudulent activities such as illegal fund-raising have emerged one after another.In order to standardize the healthy development of Internet finance,the People's Bank of China and the Ten Departments of Information Technology jointly issued the "Guiding Opinions on Promoting the Healthy Development of Internet Finance",which became the beginning of legal supervision of the online loan industry.In August 2018,the National P2 P Network Lending Risk Special Remediation Leading Group Office issued the "P2P Compliance Issues List".Under strict supervision,the problem platform is increasing and the bad platform is accelerated.Wanhui Group is a head-up lending platform in South China.It has a certain representativeness in risk management.In 2018,Wanhui Group experienced a large number of layoffs,the proportion is close to 30%;and the salary is arrears,and employees use litigation.Maintaining its own rights,from layoffs to arrears,is the beginning of most problem platforms.Therefore,this paper selects Wanhui Group as the research object,and conducts an in-depth analysis of its risk management model.Through the identification and evaluation of its risks,it discovers the risk factors it faces and studies the new regulatory policies,and proposes the current Wanhui Group.Areas that need improvement to adapt to the new regulatory environment,thereby gradually improving risk resilience.It has certain reference significance for China's online loan platform risk management.This article uses Wanhui Group as a case to analyze the risk management of China's P2 P online lending platform.Firstly,it expounds the operation mode and current situation of Wanhui Group's network lending platform,and verifies the limitedness of its risk control system.Then it uses AHP AHP to qualitatively analyze the platform's liquidity risk,credit risk,operational risk and legal risk.The potential risk factors affecting Wanhui Group are derived.Finally,under the new regulatory policy,relevant risk control measures are proposed for potential risk factors and problems.Through research,this paper finds that although the risk control and scale of Wanhui Group are at the leading level in the industry,there are also some problems,including weak controllability of liquidity risk,improper scale control,and untrue information.Some risk protection systems do not cover the overall risk of the platform.They can establish risk management organization structure and cultivate risk awareness;appropriately reduce the scale;do risk compensation and control liquidity risk;adhere to open and transparent financial information.Improve risk management and reduce platform risk.