The Risk Reserve System Of The Peer-to-Peer Lending Company

In the trend of "+ Internet","Internet + finance" will be the most prospect industry in the future.As for the most important component of the online finance,the healthy development of the Peer-to-Peer Online Lending has giant significance for the improvement and innovation China's economic system.As for the innovation product in the new era,the Peer-to-Peer Online Lending has double risks including financial risk and information technology risk and it has kept brutal growth after 2007 when the first Peer-to-Peer Lending company be established in China.Because of its innovative and non-intellectual exploration development,the domestic regulation for this industry has been lagging behind the development of Peer-to-Peer Online Lending.In recent years,P2P network Lending frequently burst sandals such as "shareholder run away","company collapse" and so on.These phenomenons lead to the highly attention to the funds safety of the P2P platform.Under this background,a lot of P2P network Lending company set the risk reserve system to ensure the funds safety of the network platform.This paper mainly through the research for the operation model and risk control model to analysis the origin of the risk reserve system for P2P network platform and the impact it has bring to the investors and borrowers.In addition,this paper hopes to analysis the influence factors of the risk reserve through endogenous aspect and epigenetic aspect.On the basis of the principle of microeconomics,constructs the cost function and profit function of accrued risk reserves,as well as investment function and the financing function,and get known of the factors that affect the risk reserve ratio of loan demand equilibrium are mainly determined by what factors,and what factors are the factors that affect the risk reserve ratio when the platform gets the maximum profit.In order to analyze the influence factors of the exogenous risk reserve provision,this paper selects ten exogenous variables to construct multivariate regression model in order to analyze ten factors effects of the risk reserve system.Finally,according to the results of the above analysis,we can get some suggestions on how to guarantee the risk reserve system to ensure the security of funds effectively.