P2P Internet Loan Business Model And Risk Control

Under the huge tide of informatization, the world from all industries were unprecedented transformation, including the financial sector. The Internet has developed from the traditional Internet era to today’s mobile Internet era, the reform direction of the financial sector is also quietly changing. Internet finance in the past is only the traditional financial institutions can be involved in the field, but in recent years, P2 P network loan platform slowly appears on the media and in focus. According to the latest figures show that at the December 2015, the accumulation of P2 P network loan industry turnover has amounted to 1.63 trillion, the cumulative operating platform by 3858. Yet another Numbers behind these Numbers make us surprise: accumulation problem platform amounted to 1263. P2 P network loan industry rapid development, at the same time, its risk problem has been accompanied and cannot be effectively solved. Visibly, the research on P2 P network loan operating model and risk control, which is currently become a very important topic.In the thesis, I stood in a P2 P network loan industry service provider’s point of view, to analyze the industry development status, analysis the advantages and problems of the current commonly used several kinds of operation mode, according to the problems caused by the risk, analyze and find out the risk control method, by setting the model of P2 P network loan cloud system, the effective control of the risk problems. The core content of this article is mainly divided into four parts: the first part, brief overview of the relevant theories,analyze the industry present situation and the current commonly used operation mode, and points out its risk problems. assume a net loan industry healthy development ideal market foundation; The second part combined with the ideal market basis for the development of net lending industry, detailedly analysis the problems of the existing risk; The third part, with the aid of network loan cloud system model, which explain how to effective control the current P2 P network loan risk problems. The fourth part, mainly, after the P2 P network loan safely operating under normal credit industry, forecast and analysis on the industry development trend in the future.To sum up, this paper through the analysis of the P2 P network loan industry risk problem, prove the industry risk is caused by various reasons and really exist, But if we effectively improve and supplement from each aspect, combined with cloud computing and big data technology, its risk is entirely can be effectively controlled. And the development of this industry is good for the development of the national economy and personal wealth, let the real inclusive financial benefits.