The Research On Risk Identification And Control Of The Internet Finance

Though Internet finance in China is in the booming in recent years, but in the United States and other developed countries, it has been existed for quite a long time, and has a promoting effect on economic growth.In China, the development of the Internet financial has a considerable impact on commercial Banks do, but also it can yet be regarded as China's economic development of a new transit. Complement rather than replace, is its role to commercial banks, and it should be small and medium-sized enterprise's financing "infusion".P2P network credit is the abbreviation of "peer to peer lending" in English.P2P network credit as an important member of the Internet financial family, refers to a person by e-commerce companies providing online trading platform to provide other personal microfinance financial model.The China banking regulatory commission issued a P2P network credit risk hints file will be referred to as "Renrencredit"in 2011.According to statistics, as of March 2015, there area total of 1728 P2P network credit companies in China, compared with 880 in January,2014, has nearly doubled, compared with 2012 in 33,the development is quite rapid.The whole network of the credit industry in China since 2014 cumulative volume as high as 30 billion yuan.With the improvement of the industry social recognition, the future of our country the number of P2P network credit company will continue tosurge and clinch a deal amount.Risk control is the important theme in the process of P2P network's credit operations in our country, determines the future direction of it.However, at present, the credit risk control technology development of P2P network is very slow in our country, especially as the credit control management at the core of risk assessment, far cannot achieve transaction participants demand for loan security measure.P2P network in China, therefore, to evaluate the credit risk, find the means of risk control, will be for investors and P2P platform itself has a vital role.The article is divided into sevenparts.First, define the industry specific concept, meaning and main difference of each risk.Second, through the development of the industry history and industry status, understand the development of China's Internet financial history and status quo, wrote a P2P and focus on credit loans, in the case of the rapid development of the Chinese market, broad understanding into the Chinese market, and deeply understand the necessity and importance of risk control of the industry.Again, the Chinese Internet financial market risk identification.This is the risk control will do before work, only through the points, identify the risk of each stage existence to design decisions that risk assessment and control.The fifth chapter is using the method of experts and AHP analytic hierarchy process (AHP) to establish a model to determine the improved the debtor risk rating index system of index weight, and applied to the model analysis.Finally put forward in this paper, the conclusion and outlook, firmly believe that through the joint efforts of government and market, China's Internet of financial risk control, there must be a good prospect, and become a reasonably important role.