Internet Loan Platform’s (Business) Risk And Management

Lending online is a kind of lending services,which involves both traditional lending services and technology of computer science.It conforms to the trend of the development of history.Lending online has three characters:low threshold,big covering square,and high coverage rate of financial service.It is a kind of new financial model that advocates generality and democracy as well as attenuate illicit.Apart from the booming development of lending online,the risk is becoming apparent,and the malignancy quit events happen frequently,such as run,withdraw deposit and so on.In fact,Lending online does not provide much loan capital as a set of borrowing,it need to face not only the borrowing failure due to information asymmetry problem,but also the investment failure problem due to unable to recover the loan money lenders online.In this paper,the research emphasis is different from existing articles,we do not research on how to prevent borrowed money payments even the problem of loan fraud,instead we study the influence factors of affect the lending online.For the healthy development of lending online,industry has a certain reference significance.We first introduce the current development of lending online in China and abroad and the different operating mode,choose the data from 2016 to 2017,the basic situation and the history of lending online in China,analyzing advantages and disadvantages from the different operating mode,and the risk theory in this paper.Then we summarize the category,introduces loan risk assessment methods commonly used in practice in our country and abroad.Descriptive analysis and Logistic regression analysis is the main method which is used to carry on the lending online risk,find the influencing factors including that registered capital amount,whether there is a risk reserve fund,risk reserve quota,model number,the guarantee company cooperation,financial leasing companies and other business model,whether to join the association,depository bank,get the ICP license,add a third party credit platform,and accept the network investigation,the comprehensive yield of 13 factors,and these factors are positively related to the lending online.Net platform of online time,capital background,loan with small loan companies,platform advances,cooperate with the insurance company,cooperated with the factoring company is not obvious on lending online.Finally,we provide risk prevention strategies from three aspects.