The Research Of P2P Lending Mechanism Based On Internet Platform

P2P network platform, is borrowing service combined with a network offinancial services platform. P2P is a Peer to Peer lending, formal Chinese range is"borrowed" everyone. P2P lending refers to borrowing process, data authentication,transaction negotiation, cash flow and contracts to generate funds all lending activitiesthrough the network, while the Internet platform to provide data support andinformation release and other intermediary services. This is always the continuousdevelopment of the Internet financial and private lending boom and emerging of anew business model.P2P online Lending Zopar originated in Britain and the United States the Prosperof borrowing and Lending Club network platform model of successful operations.Domestic Internet financial also in2007the introduction of the model, but due to theimperfect credit system in our country, this kind of operation mode and didn’t get thelarge-scale development. Lending to local P2P network platform to completely basedon network platform operation mode, the online and offline parallel operation mode,derive the principal guarantee system and creditor’s rights transfer system and a seriesof indigenous innovation.In2012, domestic P2P lending industry user in explosive growth. According tostatistics, at present domestic active P2P platform has more than300. Of the currentInternet financial management pattern has taken a hit in the traditional financialmarket, the scale and speed the development of the P2P lending business, hastranscended the regulation speed. P2P lending pattern is gradually facing a crisis ofchain, from the initial pure model of online platform, gradually evolved out of thechannel, the pool model, information platform, guarantees, and other high-riskbusiness beyond the regulatory model. P2P lending as a kind of typical Internetfinancial innovation mode, really solves the small micro enterprise financing demand,in the backdrop of financial development in China, do have larger market space, butthe development of the P2P lending platform much faster than the pace of theregulation, platform and investment risk faced by investors are increasingly exposed.Domestic scholars on the study of P2P lending platform, the overall to thetheoretical origin and development of P2P lending platform, P2P platform for theoperation mode of comparative analysis and regulatory issues. The literature researchis standing at the macro aspects, the development of the industry the development of the P2P lending platform, the business model of the platform with the internal riskmanagement mechanism and platform research is less.The purpose of this paper is to through the study of lending to the P2P networkmodel based on Internet platform inner operation mechanism, combining with thecurrent Internet financial background, the central bank and the relevant departmentsof the P2P network platform regulatory opinions, analysis of P2P network borrowingmode facing the fund precipitation risk, liquidity risk, credit risk, legal risk, and otherrelevant risk formation mechanism, for the enterprise in the aspect of risk preventionrecommending a series of risk control mechanism, puts forward how to establish thecredit evaluation system, how to build an executable collection system, etc. Throughthe formation of credit risk is introduced to help users to improve the ability of riskidentification of P2P lending and protection consciousness and means.The innovation of this article lies in:(1) the research object belongs to theemerging market main body and mode. Paper is lending platform for P2P network thisemerging Internet study on the model of financial services, in the process of thesisresearch pays attention to study practical significance.(2) the paper research theAngle of the novel, content deeply. This paper cites as’s business operation data showthat breakthrough the limitations of domestic research to stay on the macroscopictheory research, borrowing from the network platform’s internal operations as thebreakthrough point, put forward the risk monitoring and management of a series offeasible Suggestions.