P2P Network Car Loan Risk Control System Design

The content of this article is for designing and complementing purposes of existing P2 P network car-loan risk control system in China,through actual case studies of A company car-loan risk control system.Specific research methods are literature reading and analysis of P2 P online car-loan industry articles,documents and historical materials.Then,to sum up the current main models and risks facing the car-loan industry and risk control methods and system,based on mature car-loan risk control system from empirical case of A company.Based on analysis of A company's sound risk control methods,P2 P network auto-loan risk control recommendations are presented as study result.The conclusion is that car-loan platforms' business assets are maximally shielded from common car-loan-second-time mortgage,car loan fraud risk and moral risk of internal management if they are entirely relayed on direct headquarter management,office floor platform on-site review,and headquarter approval methods.P2P Online Lending are popular among ordinary investors because of convenience and inclusiveness.But on the other hand,with the large number of platforms involved in blind and disorder competition,and in the absence of the risk control system,Online Lending industry began to appear problematic and experience company closures.when the current regulatory compliance and cracking down measures are been strengthened,it is necessary to form a comprehensive look at P2 P network lending and industry for further analysis and discussion.Such as: industry typical business model and a P2 P car-loans business which fit the supervision policy under the current regulatory compliance requirements.In addition,to offer my own recommendations for current car-loan business risk control and industry outlook through analysis of the risk control system and car-loan business model of A company.The contents of this article are divided into the following sections:Introduction of the article clearly presents the reasons for choosing the thesis topic and writing ideas from the background and meaning of the topic.Chapter two introduces the origins,characteristics of P2 P network lending,and Europe,America and China's P2 P network lending development course and characteristics.Finally,it introduces typical business models of P2 P network lending platform in China.Chapter three discusses compliance risks in P2 P Lending Business in China.It breaks down by two parts: before and after the regulatory policy came into effect.The idea is to compare and analysis current P2 P online lending business model and puts forward a model which complies with regulatory expectations,and risk management.Chapter four uses empirical case of A company auto-loan platform risk control system and risk management strategies to find a overall risk controlled model by analyzing three stages of main risk points: before lending,mid-term lending,and after lending.The fifth chapter sorts out my own suggestions on China's P2 P networks car-loan risk control in the future.The main emphasis is through external building of credit system,internal construction of risk prevention system,and industries working together jointly to control risks.Finally.A car loan industry outlook and vision of future car-loan risk control methods were indicated.