Risk Analysis Of Chinese Internet Financing Platform

2013 is the first year of one of China’s Internet financial, to third-party payment platform, the raise, P2P network, such as lending platforms and online financial service is a new type of network financial concept arises at the historic moment. The research object of this paper is to choose the risk and current problems mount of P2P network platform, and to all the credit network this typical extreme network platform as an example. Internet financing platform in offline mode of traditional financial outside, meet the demand of the part of investment and financing, unsecured by traditional financing channels can’t remain unresolved small business owners, farmers, poor students, and in urgent need of venture capital of start-up team can rely on credit to get money, and some have cash-rich lenders can also get higher than traditional channels through the investment income of investment channels. Because Internet financing platform with traditional financial incomparable more quick, convenient, simple, and the advantage of rapidly, to a certain extent, solve the capital supply and demand docking difficult question. Internet financing platform has a broad, flexible and efficient way to trade, and yields higher risk characteristics and Internet financing platform specific regulatory content were determinedThis paper is divided into five most:the introduction, the paper mainly introduces the selected topic background and research significance, literature review, thesis research methods, innovation points and deficiencies. The first part of the net loan financing platform, the Internet financing platform overview, the net loan financing platform overall overview. The second part, the net loan financing platform operation analysis, the loan network operating agent, operating characteristics, the credit risk analysis, The fourth part, dealing with Internet financing platform risk measures, and the Internet financing platform development outlook.