Research On Risk Prevention And Control Of Hongling Venture Network Lending Platform

With the rapid development of the Internet in recent years and the rapid development of the financial industry,"Internet + Finance" model has begun to deep integration,in the "public entrepreneurship,innovation" policy under the guidance of small and medium enterprises and individual financing needs become increasingly strong,But the traditional banks and other financial institutions there is the threshold of borrowing and financing to improve the status quo,making the difficulties of financing difficulties,P2 P network lending industry came into being.It is the deep integration of private lending and the Internet,aimed at the traditional financial institutions do not meet the threshold of small and medium enterprises and individuals to provide efficient financing facilities.However,there are some loopholes in the P2 P network lending industry,which is reflected in the lack of unified system and credit evaluation system in the industry,the lack of information disclosure,the low quality of professional staff,etc.,which resulted in credit risk,liquidity risk,operation Risk,security risks,operational risks,etc.,is not conducive to the safe and stable operation of the industry.Based on the risk case of Hongling Venture Capital Platform,this paper aims to provide some reference for the risk prevention and control of the whole network loan industry by identifying the risk of P2 P network borrowing industry,identifying the risk source,measuring and proposing the countermeasures and suggestions.The first part of this paper is the introduction,including the research background and purpose significance,domestic and foreign research summary,research methods and technical route,as well as the innovation and shortcomings of this article;the second part of the Hongling venture capital platform analysis,including platform The third part is the risk identification of the Hongling venture capital platform,including the operational risk identified by the "OTC IT Guidance Event",the credit risk and the guarantee risk identified by the "personal guarantee mark event" As well as the "100 million loan overdue event" to identify the liquidity risk and operational risk;the fourth part of the Hongling venture capital platform for the risk analysis,including credit risk,liquidity risk,operational risk,security risks and operational risks The fifth part is the risk measure of the Hongling venture capital platform,including the external risk of the platform measured by the analytic hierarchyprocess and the credit risk of the borrower measured by the Logistic regression model.The sixth part is the red Ridge venture capital platform risk prevention and control measures,from the government,platform itself,market construction and network ring Environment and security construction of the four levels of the platform to prevent and control the risk of targeted countermeasures and suggestions.