Problem Research On The Risk Control Of Online Peer To Peer Lending Platform

With the development of our country's economy and the progress of Internet technology,a novel form of lending – P2 P lending appears in front of us.Banking,as a traditional financial model,has higher auditing requirement for borrowers,the procedure is relatively complex,and the amount of loan is limited,which causes that the money demand of many enterprises and individuals cannot be satisfied,the P2 P lending arises at the historic moment.As a financial innovation under the age of the Internet,it alleviates the pressure of folk lending,fills the gaps of folk lending,and makes up for small and medium-sized enterprises financing gap,provides higher-yield investments for more investors.The development of the P2 P lending industry,however,is not a smooth sailing,more and more people find business merchant and enter the industry,the platform number is increasing,but on the one hand,they are lack of the comprehension of this industry,on the other hand,our country's P2 P lending industry is in the early phases of development,the risk control is not perfect,which leads to a mass outbreak of problem platforms.Platform operators should give enough attention to this,only based on the sophisticated risk control system,the platform can continuously open,and we can truly achieve inclusive finance.This article firstly introduces the related concepts and theoretical,based on this,analyzes the status of P2 P lending industry,including the number of platform,the type of platform,the popularity of industry and so on,then comes up with the existing risk,which is more common and has great effect,and does some reason analysis,according to the above,puts forward the suggestions of perfect our country's online P2 P lending platform risk control,such as strengthening the construction of credit system,enhancing staff skills and quality education and so on,hopes to provide help for the perfection of the platform's risk control.In order to understand the paper better,it introduces the well-known P2 P lending platform-"Ren Ren Dai",by analyzing the risk control of platform existing problem to verify the previous results,and gets enlightenment from this case,hopes that it can be better soon.