Research On The Risk Control Of P2P Platform Of TBJ Company

In recent years, the Internet Financial momentum of rapid development, a variety of financial forms, financial products emerge in an endless stream along with the development of mobile terminal app, the financial innovation also further innovation.But with the introduction of the provisions of the 《Interim Measures for the management of the business activities of the network lending information intermediary institutions》 the brutal growth of the P2P industry will come to an end, the risk of prosperity also began to gradually exposedAt the same time, by the end of 12,2015, the territory of a total of 1300 P2P platform collapse,668 P2P platform missing. Platform issues arise, triggering the entire industry credit crisis. With Ezubao and other large P2P platform illegal event exposure,P2P industry in the eyes of the public has become a minority of illegal fund-raising tools. The outbreak of all kinds of adverse events, making the industry’s reputation has been seriously damaged, to the industry’s benign caused a huge challenge. The influence of the sustainable and healthy development of the enterprise. A lot of risk exposure, make industry newcomers aware of platform development challenges facing P2P.How to manage and avoid the existing risk, to prevent and control the risk of the expected existence has become a top priority.In view of this, this article on P2P business risk management research, By using the theory and the case analysis method, with the current development momentum of good TB JP2P platform for the research object, Through the risk of the operation of the company and the response, analysis of the causes of such risks and put forward the corresponding risk management methods The main research includes the following: In the introduction of the research background and significance, the domestic and foreign scholars related research situation, research methods and the entire thesis expounds the logical order. In the second chapter, the basic methods and theories of risk management are introduced, the basic theory of risk management, the theory of P2P platform and the related concepts of P2P platform are introduced. The third chapter is the case analysis, describes the current situation of the risk control of TBJP2P platform, the company’s basic situation, the specific risk control measures, industry and market development, as well as platform risk management and control. In the fourth chapter, we discuss and analyze the risk of the company in accordance with the requirements of the five elements of COSO. The fifth chapter is the risk problems in existence provides corresponding solutions and in under the provisions of the new policy and the development direction of the P2P platform of the imagination.Based on the TBJP2P platform as well as other P2P platform research found that P2P industry overall risk management control level is very weak, in addition to outside the scale larger entity’s financial enterprises as the background of P2P platform have more perfect internal management system and process. The rest of the P2P platform or lack of risk management awareness, or no risk management system. For many P2P entrepreneurs, they for the P2P industry for the development of their cognition is too shallow, the P2P platform is the customer experience in customer management. Compared to foreign mature stage of development, China’s P2P industry is very immature. Immaturity is not only reflected in the quality and ability of practitioners, but also reflected in the level of national regulation and Governance. After the comparison of the industry, this paper puts forward some measures to adapt to the current operating environment, reduce the risk of P2P platform, optimize the P2P platform audit process. Intention to help research P2P platform to improve its internal control, reasonable management of risk.In the specific research, we found that, P2P lending industry is still using the traditional financial industry to obtain financing customer line approach, At the same time credit audit relies on artificial experience, To prevent risks mainly rely on external credit enhancement, The only difference is that the capital acquisition channels and risk pricing space, According to this phenomenon is proposed in this paper, the development of online lending technology and quantitative audit standard is proposed. At the same time, the diversification risk control measures, to strengthen the internal risk control system of construction, risk control by the inside out,On the other hand, this paper argues that, with the deepening of mobile technology, scene and mobile services will become an important industry competition ability. A wide variety of P2P platform is uneven, so that investors dedicated to P2P lending platform has become increasingly difficult to invest. But the P2P platform in the interactive layer "investment demand and consumption", "pay the specific scene" combination. Let investors constrained or rational planning income use in personal financial investment. Undoubtedly make the platform easier than other P2P platform to get the favor of investors.Therefore, in the proposed improvements, hope the company can improve the degree of specialization of products, establish smooth communication channels, will be the scene of embedded mobile platform, optimize the payment acceptance environment, provide consumers more convenient, secure means of payment and to increase user viscosity, improve the competitiveness of the platform. At the same time, establish a good internal and external communication platform, which will be the platform of information in a timely manner to communicate with stakeholders, reduce information asymmetry, enhance the user’s trust on the platform.Limited by the lack of research ability, and the reasons for the related data acquisition, this paper has a lot of problems in the research of the company’s P2P platform risk management. At the same time, with the implementation of the Interim Measures for the management of the business activities of the network lending information intermediary organizations, the development strategy of the P2P platform will also face various changes and adjustments. Future lending platform will also be in the direction of development and economic and technological development to adapt. The risks encountered will also change, which is the future direction of further research.