The Research Of Internet Finance Risk Based On The P2P Lending

The rapid development of Internet finance has a great impact on the traditional financial industry,have influence on the financial market monopoly of commercial banks.The Internet finance also brings more development opportunities and innovative thinking for the financial industry.Internet banking has achieved a lot in many aspects,especially the P2P network lending industry.Peer-to-peer lending,sometimes abbreviated P2P lending,is the practice of lending money to individuals or businesses through online services that match lenders directly with borrowers.As a new mode of Internet lending,P2P platform lack the ability of risk management and during the development,platform exposed many problems,the maximum of all is the credit risk.This paper have the following research content,in the literature,focus on the concept and evolution process of the Internet finance;the present research situation of P2P network lending;related system and supervision of P2P network lending and risk control;analysis the related financial theory that study involved in detail;describe the Internet financial concepts,models and features in detail,summarizes the operation mode and risk control measures of foreign classic P2P net loan platform and the existing P2P network lending platform development model in China,on this basis,further analysis the risks our P2P net lending platform facing;analysis the risk of Internet financial in system,resume the traditional and modern credit risk analysis method,select BP neural network method to construct the model,learning method and BP algorithm,discuss the method is suitable for P2P platform to assess the credit risk of users’ quantization;model using Matlab software,the data input match the target data transmission,let the model through the training and learning,can be independent assess the borrower’s credit situation correctly,and then test the model,In China,the P2P lending pattern have not a long development time,as the Information intermediary platform of financial,it is difficult for the platform to manage all aspects of risk during the process of operation.The main customer group of P2P lending is the small or micro enterprises,individual entrepreneurs,and petty loan which accomplished in the P2P platform mostly has the characteristics of the credit loans.Therefore,when choosing the study index,I learn from the German credit data and the indexes of platforms which are development mature in our country.This study play a positive role in credit risk measurement of the P2P lending industry with rapid development,has an important meaning to perfect our P2P lending’s credit evaluation system.