The Risk Measurement Of China's Online Loan Platform And Its Regulatory Research

P2P is money supply and demand information channels to the Internet so as to realize the financing of financial intermediary service,is the investor by a third party platform with lending borrowing of borrowing needs network model.Peer-to-peer P2 P online lending,convenient and fast characteristics effectively ease the plight of our country small and medium-sized enterprise financing difficulties,promoted the social capital allocation more fair and reasonable,is the beneficial supplement of traditional financial system in our country.When P2 P started to develop,it did solve the problem of financing difficulties for small and medium-sized enterprises in China,which provided a function for economic development.But with its rapid growth,there are inevitable problems in the development process.Though the vigorous development of the P2 P lending is the inevitable trend of market demand,but the law of blank,the lack of regulation make P2 P platform overflow,closures,risk potential crisis for the future development of platform.In recent years,China has begun to pay attention to the risks of online loan platform,and constantly put forward the problems of the development of online loan platform,and put forward new supervision policies.Therefore,it is very important for investors,P2 P platforms and even the whole financial system to effectively evaluate and control risks and establish a reasonable risk supervision mechanism for P2 P platforms.At the same time,in order to enable this new platform to develop in the long run,it also needs to have a benign regulatory environment.In this big under the background of Internet development,the article embarks from the theory research network platform loan risk situation,try to net credit risk measurement platform,from the conclusion further further to explore the regulation of network platform loan policy Suggestions.The first part of this article detailed the concept of P2 P,financial risk,financial regulation theory,based on this theory we look from big aspects of the development of the industry as well as some of the problems,at the same time also must be analyzed in regulatory policy,and then tries to analyze risk identification of P2 P platform,provided a basis for the following empirical.The fourth chapter USES the principal component analysis method to measure risk,the risk assessment and analysis of the network loan platform and the financial risk management thinking of risk control.First,about the present situation of network platform loan risk and its regulation is analyzed,and then select risk measurement index,then the principal component analysis was used to construct net platform risk measurement model,the weights are calculated risk values,then theintroduction of 39 net credit platform in all kinds of factor score data for empirical analysis.Finally,based on total 39 net credit platform risk situation analysis,the result of the regulation policy of our country carding and integration,from the existing regulatory policies of our country on the basis of how to reasonably prevent and control the risk of P2 P platform ideas and Suggestions are put forward.The proposal of supervision starts from the two aspects of the supervision principle and the supervision method.Based on the existing supervision policies,the author tries to make corresponding Suggestions based on the empirical analysis results.