Research On Risk Management Of C Online Loan Platform

As an important part of inclusive finance,the healthy development of P2 P online lending has played a significant role in maintaining the stability of China's financial system.In 2018,China launched a special risk rectification activity in the online loan industry,which sounded the alarm bell for risk management in the online loan industry.The promulgation of Circular 175 laid the main tone for the retreat and transformation of the industry in 2019.Under strict rectification,online loan platforms must adhere to self-examination and control to meet policy compliance requirements,and strive to transform into online small loan companies and licensed consumer financial institutions.This article takes the C-net loan platform as the research object.Based on the information asymmetry theory and credit risk theory,it uses the case study method,literature research method,and field research method to dig out and analyze the existing problems and the existing risk management of the platform.The cause of the problem,and proposed platform development suggestions in combination with the policy environment,reduce hidden dangers caused by information asymmetry and credit risk,and help the platform improve the risk management system.Specifically,first,by introducing the overview and risk management model of the C online loan platform,the position of the platform in the industry was horizontally found,and the excellent experience to be learned from the platform was found;then,by analyzing the risks of the C online loan platform The management model and the credit and credit risks,legal and regulatory risks,cyber security risks,and market operation risks faced the following problems found in the C online loan platform:(1)excessive investment in management efforts after the loan;(2)reaction to changes in regulatorypolicies Lag;(3)weak management of network security risk.Finally,through further digging,it was found that the credit information system and risk management system are incomplete,the organizational structure and rules and regulations need to be optimized,and network security risk management prevention is ignored.These three reasons are the reasons for the above problems.Based on the causes and development status of the C network loan platform problem,this article puts forward three suggestions for improvement: firstly,to improve the credit information and risk management system;secondly,to optimize the organization and system;and the third is to pay attention to the prevention of network security risks.The research in this article provides guidance for improving the risk management system of the C online loan platform,and also provides a reference paradigm for the self-regulation and self-inspection of the online loan industry.