P2P Lending Fund Business Model And Risk Management

P2P lending,an important branch of Internet finance,is in full swing.How to select some of the moderate risk,good returns and good liquidity products among many P2P platform is very important.E-rental event,ZhongJin Asset events sounded the alarm for investors.Securities investment fund appears to solve how to pick a suitable stock,like this a new Internet financial industry-P2P lending funds appears in the choice of P2P platform.Due to the background of the economic environment and the different background of social environment,the development of China's P2P lending fund can not directly copy the development model of foreign P2P lending fund.Therefore,based on China's specific market conditions,P2P lending fund who adapt to China's market situation can be better developed,this paper aims to the risk of network loan management based on the research of network loan business model,and give suggestions to promote loans Fund healthy development.The essence of Internet finance is financial intermediaries,P2P lending fund is a new form of Internet finance,P2P lending fund are closely related with P2P,and the transfer of P2P network loan claims is similar to asset securitization,therefore,net loan funds should combine with the financial intermediary theory,P2P risk management theory and asset securitization theory.First of all,this paper reviews the relevant theoretical literature at home and abroad,as a theoretical basis to guide the loan business model and risk management research.Then,this paper analyzes the background of the development of the P2P lending fund.The emergence of the loan P2P lending fund conforms to the development of the times,it is the inevitable product of the development of P2P network loan industry.Then this paper analyze the P2P lending fund platform operating mode,the main product type,financial products,and found that the loan fund has three common characteristics compared with the traditional fund,conform to the investment needs,decentralized risk and reduce costs.Second,this paper identified the risk of P2P lending fund.By identifying the risks of the P2P lending fund,establish the assessment system to assess the risk,and further take different risk management methods for different risks.Third,combined with the case of Spark Wallet,its development process,product type,platform principle,wind control system and security systerm were analyzed.Finally,according to the problems and obstacles in the development of the P2P lending fund,the paper puts forward the countermeasures and suggestions for the development of the P2P lending fund.In conclusion,this paper analyzes the business model and risk management of the P2P lending fund by combining the case study method,the qualitative analysis and the quantitative analysis method,the comparative analysis method,the financial intermediary theory,the P2P risk management theory and the asset securitization theory.Combined with specific cases,this paper give countermeasures and recommendations for the development of P2P lending fund based on the existing problems and obstacles of loans to the Fund's.