| By investigating and collecting the data of A company, this thesis is about the study of the development status and risk research of online peer-to-peer lending in China. The first part of this thesis introduces the development process, characteristics and main business models of online P2 P lending in China; The second part takes A company as an example, combined with its operating characteristics, operating data and risk control system, and analyzes the risks of A company, including the imbalance of borrowers’ credit structure, high loan interest rates,maturity mismatch, risk reserve fund, etc; Based on the analysis of online P2 P lending industry and the risks of A company, the last part of this thesis gives suggestions from the two angles of the P2 P industry and A company respectively. |
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