Exploration Of The Risk Of P2P Lending Platform In China

The penetration and change of Internet to informal finance gave birth to the P2 P lending platform. In recent years, more and more people pay attention to this emerging thing which grows rapidly, partly because it does in many ways superior to traditional informal finance when financing the two sides who both are truly feel the benefits of the Internet; the other hand also because P2 P lending platforms have many problems about boss run away, bankrupt and unable to withdraw, resulting in a considerable part of the borrower lose money. Overall, the lack of supervision and risk control becomes bottleneck of restricting P2 P lending platforms development. How to control the risk, turn crises into opportunities, when we are accompanied with the fortunes and risks, is an important issue placed in front of us.Now the voice of parties call for supervision and industry standards get louder and louder, with the formulation of regulatory rules are tensely developed, P2 P lending industry is entering a new stage of specification development. The purpose of this study is through the analysis of the characteristics and problems of P2 P lending platforms of our country, from the perspective of empirical to explore the risk this business model is facing, with the anticipation of its future, put forward the proposed measures to regulate P2 P lending industry.