Research On The Risk Prevention Of China's P2P Lending Platform

The communication and integration between the Internet technology and finance making it a new business model.Especially in recent years,Internet finance in the country showed a blowout growth.The main models of Internet finance include P2 P network borrowing,third-party payment,public financing and online banking.P2 P lending model giving a striking performance in many Internet financial ones for its amazing growth rate and considerable development prospect.P2 P lending platform first appeared in the United Kingdom in 2005,then quickly expanded to other countries and regions in the world,with the irresistible growth.It provides a platform for borrowers and lenders and promote the generation of lending relationships.The original aim is to avoid the bank as an intermediary to seek high profits,allowing all levels of borrowers to apply for personal loans can be more convenient and efficient,lenders also can avoid the lack of financial professional experience and reduce the risk of investment.In recent years,the Internet financial boom have boosted the reform and innovation in financial industry.P2 P network lending as an important part of Internet finance,its corresponding product has become the focus of investors.P2 P network lending is a double-edged sword,when we make full use of its advantages,also need analyze the inherent risks and take preventive measures to prevent the crisis.However,due to the particularity of Internet financial market,P2 P network lending expose more and more problems.China's P2 P lending is marked with late start,can learn from the limited experience.Coupled with our own domestic financial system is relatively weak,Strengthen the P2 P network lending platform for risk management issues without delay,has also become a hot research point and focus.This paper will analyze the risk of China's P2 P lending platform by case analysis,literature analysis and data analysis,study the risk of P2 P lending platform and the causes systematically and deeply,combined with the actual development of China's P2 P lending platform,starting from such three aspects as regulatory risk,credit risk and legal risk of P2 P lending,approach the current main risks of P2 P and put forward the corresponding preventive measures.Through the actual case--Ezubao which risk control improperly then lead to collapse crisis,and concluded countermeasures and suggestions response from it to cope with our China's P2 P lending platform risks.