The Operating Mode And Risk Prevention Of Different Online P2P Lending Platforms Of China

In recent years,the P2P platform is developing rapidly in our country,there are hundreds of P2P platforms set up every year,but also a large number of platform run away,collapse and other issues,and even investors fraud case,the absence of law and regulation of the blank P2P platform development meets the bottleneck,the development of P2P platform in the future facing many potential risks.For investors,P2P platform,and even the entire financial system,the risk of effective assessment,the establishment of a reasonable platform for risk prevention and control mechanism of P2P becomes critical.This paper aims to explore the characteristics and risk characteristics of different operating modes of P2P platform through the analysis of the operation mode of P2P platform.The default probability calculation of P2P platform using logistic credit model,combined with the specific case analysis,from two aspects of macro monitoring and control platform on how to control the risk of P2P platform and puts forward related suggestions and opinions.The results of the study showed that the average interest rate,60 days to repay the amount of the probability of default on the P2P platform has significant influence on whether the creditor's right transfer,whether reserve and whether the default probability of the third party guarantee platform to the P2P platform and no significant effect.With the increase of the average monthly interest rate,the greater the risk faced by the P2P platform,and the higher the proportion of 60 days to be repaid,the greater the risk of P2P platform.In response to these risks,P2P platform to improve the competitiveness of enterprises,improve service quality,risk prevention.The P2P platform not only constraints from their own,and actively carry out cooperation in cooperation with bank deposits,the third party guarantee institutions,standardize their operations,but also to accept external oversight,join the industry self regulatory organization,realize mutual supervision within the industry.