A Study On Risk Management And Control Of Online Lending For W P2P Platform In Dalian

Since the financial crisis, Internet Finance, especially in the form of P2P, emerged quickly on the opposite of sluggish in traditional credit, easing a lot of delimma for the financial filed. But there are also many hidden dangers and disadvantages for P2P, which in a quite high possibility will lead to disputes between both lenders and borrowers on the network platform. Especially in recent years, the failures of P2P became more and more, lead to quite bad social impact, which put the emerging P2P to a serious challenge.With the aim to take a study on the risk control strategy for P2P platform, this research starts from the basic theories of information asymmetry theory and risk management theory, and studied on the cases of P2Ps in western countries and the ones in China, comparing their work flows and structures for risk control. On this basis, the article focuses on the W P2P platform net loan risk management and control model as an example, by digging microdata distribution of the platform, summed up the platform risk control services with centralized auditing, small dispersion characteristic, which is W P2P platform to deal with net loan risks, to achieve an important guarantee for sound development. However, combing through W P2P platform systematic net loan risk control processes, we find W P2P platform in the allocation of resources, risk control aspects of technological innovation still greater lack. Finally, the paper give policy recommendations in three areas against W P2P platform net loan risk control, namely:to improve the term structure of interest rate products, optimize the organizational structure of risk control and the establishment of large data sector loan approval mechanism credit rating.Through theoretical analysis and case studies, the paper said:From the industry level, risk control mode current P2P platform is not out traditional credit kernel, some P2P platform but simply the private lending business onto the Internet, risk management and letter-trial process float on the surface and intelligence is not high, the ability to identify low-risk; specific risk control business, the majority of P2P platforms only realized the information collected by internet-based, decision-making in risk control, post-loan management and other aspects of the internet is not able to, resulting in net loan platform and depth of the internet and big data integration is not enough, the internet financial advantages and potential restricted; and, in reality, P2P platforms often exist to build a pool of money, business maturity mismatch problem, the potential liquidity risk is huge.Generally, features and problems in W platform show that P2Ps in China are mostly typical financing intermediates which transfer their business from offline to online, without upgrade their risk control strategies accordingly. With the development of data science and big data technology, P2Ps should take more advantage of the techs, to serve their clients in a more intelligent way.