Analysis Of Risk Management Of P2P Internet Financial Services Platform

Since 2005 the world’s first P2P Internet financial services platform——Zopa brought into use in the UK, with the development of Internet plus, P2P Internet financial services platform has been developing rapidly. In 2007, as PPdai has become China’s first enterprise which uses P2P platform, marking the P2P Internet financial services platform broke into the Chinese market and developed rapidly. In 2015, at the third session of the Thirteenth National People’s Congress at the opening of the Great Hall of the people in Beijing, Premier Li Keqiang proposed the development of "Internet plus" action plan. Identified with "Internet plus" to create a new engine of economic transformation and upgrading. Also at the meeting, Premier Li Keqiang repeatedly in the government work report referred to Internet finance, and specifically mentioned "Internet finance sudden appearance of a new force" and "to promote the healthy development of Internet finance". P2P Internet financial services platform to explosive development, with the rapid development of the Internet, P2P financing service platform in China has also appeared in different forms of risk. The problem of risk management has become a social issue of common concern, the different types and characteristics of domestic P2P Internet financial services platform, to study its advantages and disadvantages in the management of risk control. Research shows that most of the platform of the advantages and disadvantages of blend with each other, some of the platform in order to avoid the risk may on the loss of resources, some of the platform in order to get the more resources produced greater risk. These problems plaguing the operator platform, so the development of reasonable risk management system in order to make P2P platform1 healthy development. At the same time, because the P2P platform has Internet+financial attributes, requires that it must be combined with the characteristics of Internet information exchange to analyze problems, this paper focuses on the analysis of the problems of P2P Internet financing service platform on the Internet in the risk causes and risk management process, provided for the solution of Internet specific risk management measures. March 152015,,online of the P2P Internet financing service platform -taking Li Wang Finance for example, analysis of the P2P platform is in the auto loan market segments in the overall operation of the process, risk control system, risk identification, determination and control mode, to develop in line with the actual situation of the risk management system, the focus of its risk management system is divided into external risks and internal risk prevention, from the internal and external combined with comprehensive solution in the whole course of business risk. Through the form of this kind of fan out from point to area, the interpretation of the risk management system of the whole P2P Internet financing service platform and the development direction in the future.