Research On Risk Management Of R Network Lending Platform

In recent years, with the continuous innovation of the Internet technology and widely penetrated into various industries, industrial the Internet era, Internet banking came into being. And represents a network of Internet banking lending platform continues to expand, and continuous development, has formed a considerable scale. From 2011 to 2013, along with the business model of exploration and industry knowledge popularization, the network lending platform to achieve explosive growth. Between 3 years, every year the size of the loan industry continues to rise, three consecutive steps, reached one billion, tens of billions of billions of yuan, respectively. The same is the network lending industry, overseas development to relative domestic long, relatively mature a lot. The United States Network lending industry more outstanding enterprises such as lending club has set up a nearly nine years of time, and have been successful in grown to accept the world people’s supervision of large-scale enterprises.With the rapid growth of the industry, the number of network lending platform also showed explosive growth. According to the survey, the number of network lending platform by 692 in 2014 to 1983. This rapid iteration, gradually resulted in later industry issues, continue to have closed down, suspend business company, which makes more and more companies found the importance of network platform loan risk management. According to the development model of our country network lending platform, mainly exist the following risk management:the aggravation the key to business platform for the emergence of a large number of overlapping. The lack part of the platform also makes more and more lack of credibility. Supervision of capital pool and intermediate account, weak or even no platform debt leads to a platform together with limited ability to fund risk intensified, eventually lead to bankruptcy or run away. In this paper, through the use of literature, consulting, case analysis and experience method, analyzes the main problems faced by the current network lending platform that risk management problems and according current network to achieve perfect network loans the industry regulatory system, and let more platform for programming means to avoid risks, gradually make the platform to the healthy and stable development of the road.