Research On Risk Early Warning Of P2P Network Lending Platform

In the Internet financial times, P2 P network lending is an important innovation model of Internet finance, It has important practical significance for the improvement of China’s financial system, the financing gap of small and medium enterprises, as well as the demand for private capital investment. With the growing maturity of Internet finance, the number of P2 P network lending platforms has increased dramatically, industry competition is keen, all kinds of risks are constantly exposed and accumulation. Since 2013, Fraud, Paolu and cash withdrawal difficulties incidents on P2 P network lending platform occur frequently. Not only does this to some extent hinder the healthy development of the P2 P network lending platform, but also to make investors suffered huge economic losses. P2 P network lending serves as an important emerging Internet financial model, which faces the risk of more severe situation, since the duties of the regulatory authorities is not enough distinct, law is not perfect. Therefore, the comprehensive risk asse ssment and early warning on the P2 P network lending platform analysis is imminent.This paper analyzes a series of indicators of the development and operation of P2 P network lending platform, including the number of platforms, the average interest rate, the number of platform to issues and the classification of problems. This paper points out that the P2 P network lending industry is in a critical period of major reshuffle, and that the level of risk and the ability to control the risk of the P2 P network lending platform is the cornerstone of the survival and healthy development. And then, this article points out that the P2 P network lending platform is facing legal risks, business management risk, credit default risk and other risks, and analyzes the common features of these risks. According to the various risks faced by the P2 P network lending platform. According to the various risks faced by the P2 P network lending platform, this paper draws on the risk rating indicators and methods of the traditional commercial banks and domestic well-known P2 P network lending institutions. This paper draws on the risk rating indicators and methods of the traditional commercial banks and domestic well-known P2 P network lending institutions, and use correlation analysis and principal component analysis method to construct a P2 P network lending platform risk evaluation index system, and finally make a comprehensive evaluation on the comprehensive risk level of the P2 P network lending platform through using the method of entropy correction G1 combination weighting. Then based on the improved KLR signal analysis method, the risk early warning analysis model of P2 P network lending platform is established. The risk early warning is operated on the 92 P2 P network lending platform o f "Net loan House" official website. The warning analysis results could provide precise regulatory basis for the regulators and help investors ascertain the level of risk platform to make the right investment decisions. Finally, this paper summarized, pointing out the contribution and innovation, which is even more clearly the great significance of this study.