Case Study On Risk Control Of P2P Platform For Point Melting Network

In recent years,along with the Internet technology is widely applied in the real economy,"Internet plus" thinking has gradually penetrated into the financial sector,the Internet Finance emerges.P2P network lending is the financial innovation platform in traditional finance a distinction,since 2007 China’s first P2P platform pat loan platform was established,the rapid increase in the number,as of 2017 February,the number of online operations up to 2335,a record high net loan balance.In the P2P industry continues to expand the scale of the same time,the risk is constantly exposed,the platform foot,capital chain rupture phenomenon common.In this paper,the domestic and foreign literature as the breakthrough point,through the systematic study of the theory of risk management P2P platform,P2P platform reference of risk management research methods and research results,on the basis of the comprehensive risk management theory and P2P theory as the theoretical basis of this article.Through in-depth analysis of specific measures of domestic P2P platform in the credit risk,operational risk,that China’s P2P platform there are three main problems in risk control in credit risk control,loanfunds for the lack of supervision led to the borrower to engage in risky investment;in the legal risk control in the industry,the lack of supervision system the facilities are not perfect,leading to P2P platform for the lack of external supervision;in the operational risk,the risk for intermediate account misappropriation of funds is difficult to control,which led to the phenomenon of the platform to run away.As the fastest growing domestic P2P platform,P2P is representative of the current development of the platform,which is typical in risk management.Therefore,this paper will select the point of the network as a case,analysis of the risk and the risk control measures taken to get the point of the network in compliance risk control and credit risk control problems.Through the analysis of the causes of the problem and the comprehensive risk management theory for the design of a comprehensive risk management system.It is of practical significance to construct the risk management system of P2P platform in china.