The Risk Control And Supervision Of The P2P Network Lending Platform

P2P network lending platform is Peer To Peer Lending abbreviation, which is a financial services platform with a combination of Internet and loans. It is so-called net lending that authentication data, trade negotiations, cash flow and generating the contract through the network to complete in the lending process and Platform provides relevant data and a range of information services. As a new way of private lending, the rise and development of P2 P network lending makes the private finance more transparent and pluralistic and makes the social capital more reasonable, it also has changed the Chinese residents original investment channels. The rise and development of P2 P network lendingmade up for disadvantages of traditional finance and at the same time it contributed to the improvement of our financial system. we must realize P2 P network lending in China is still at the development stage with substantial growth in the number of platforms and the rapid expansion of the scale of financing,but the potential risks should not be ignored. The author describes the model alienation of the P2 P network lending platform in our country and the paper mainly discusses the risk control of the pure platform mode operations. In the industry self-discipline and supervision, the author focuses on some detailed problems on the basis of regulatory principles.