Research On Risk Control Management Of YIRENDAL Company

P2P,a rapid rise business mode in the context of the Internet financial industry,which provides people with a new financing channel and convenient way,is a useful supplement to the existing banking system.Due to the incompleteness of the credit system and the absence of regulatory and other factors in China,all kinds of risks emerging result in that P2P lending model is largely restricted the healthy development for this industry.Therefore,it is necessary to study the risk of P2P lending in depth analysis by the existence of a series of measures,and take effective regulation to control it.In this paper,the YiRenDai lending platform with risk management and control mode as the research object,from the enterprise internal factors,financial data analysis and enterprise external environment three aspects has carried on the analysis to the risk management status of the YiRenDai company,and then it is pointed out that what risk that the company faces at present and what are the defects in the risk management.After analysis,the company's risk management and control is lack of comprehensive risk management system,financial regulatory system is unsound,information communication is not in place and other related issues.Therefore,in this paper,the relevant issues of the YiRenDai's risk management and control of the proposed optimization program.First of all,the article proposes to set up a set of risk control organization structurein in the enterprise external;Secondly,based on the organizational structure,this paper designs a set of comprehensive risk management system from three aspects: process management,application management,data management;The system has completed the enterprise risk identification,risk assessment,risk control and risk management,for enterprises provides the relevant concepts and data support in the risk control;Finally,the article provides the relevant safeguard measures for the implementation of the program.The author gives her understanding for a P2P lending mode during the course study,and proposes different research perspectives and framework with some innovation.Its main innovations include: First,a comprehensive risk management theory,build personalized risk management and control model.Second,propose regulatory for P2P industry in strategic level,to build on the regulatory framework to effectively control of P2P platform risk.Third,use Yi RenDai for a reference with a unique perspective in P2P lending platform.