Research On Credit Management Problem Of PD Internet Lending Platform

The rapid development of Internet lending platform reflects a kind of market demands under the condition of having not completely implemented Market-based financial system in our country, it has positive significance for minor enterprises in alleviating financing difficulties. However, if some strengthen actions on risk management do not be taken as quickly as possible, it may cause social problems, and even worse, the whole industry will collapse as "dominoes" with little negligence. In view of above, this article conduct a study on fundamental theory of credit management for Chinese Internet lending platform and specific practice of credit management for PD Internet lending platform. It brings brightness and normalization to the internet lending industry of our country and contributes to the social credit environment construction.This article will take PD Internet lending platform as the research object. Firstly, we introduce the background and significance, researching status and the research content than we talk about the researching methods, the innovation and the shortcomings of this article, Secondly, we give an overview of the relevant theories, which include the definition and category of network lending, and content and features of the credit management. Thirdly we analyze the PD research of this paper, which includes the platform outline, business processes and models, current situation and problems of credit management; then based on four representative network lending platform that in the world, we analyze the advanced experience of the management of foreign network lending platform. On the basis of these revelation and reference, we draw a lot of conclusions to help to solve the problems of PD credit management platform.Finally, provide feasible suggestions for PD Internet lending platform system from Information Collection and Management, Loan Management, account control management, Debt collection management, Industry Policy these five aspects of credit management basis on the theory of credit management and business process for PD Internet lending platform by analyzing the PD company credit management status quo and the problems that exist in the credit management. It also provides some valuable practical experiences for other Internet lending platforms’ credit management.