Research On Risk Management Of P2P Network Lending Platform

P2P lending is not only an important part of the Internet financial,but also an innovation of traditional financial pattern.As a significant supplement of the traditional mode of finance,P2 P lending not only solve the financial difficulties for small and medium-sized enterprises,but also can meet the needs of the market for the investment,progress has been achieved.There are too many P2 P lending platform in current situation,breaking the turnover record.The number of the borrower become more and more larger,and the trade barriers are large,too.However,there are so many problems on the regulatory policy and the control of the risking itself.The unique pattern of the risking management and poor risking control ability make the risking of the network credit platform worse.The network lending industry and the control of the platform risking have obstructed the development of network lending industry,seriously.Nowadays,this is the most important contradiction to deal with.We can only control and prevent the risking via promoting the conscious state of risk management and risk management ability,since then we can reduce and resolve the risking,and make the development of P2 P more and more better,take full advantage of the preponderance,which compared with the traditional finance.This paper have a research on the network lending platform and the classification of the operation mode,inductive the risk,which the network lending platform is facing now.then we construct the risk index assessment system depend on this basis,and adopt the factor analysis to analyze and evaluate the comprehensive risk of the domestic platform,which make every participants has a better comprehension of the risking and make a better development of the P2 P.In this paper,from the perspective of network lending platform,studying and analyzing the current situation,operation mode and risk type of China's network lending platform.This paper selects 91 mainstream P2 P lending platform,On the basis of the theoretical analysis,choosing the index of the risk assessment system of P2 P network borrowing platform.Using factor analysis analyze the selected samples,and the main factors of platform risk are obtained.Then,assess the risk of P2 P network lending platform,finding that platform as a whole in the liquidity,credit,concentration and other aspects of the existence of greater risk.By using logistic regression to further explore the relationship between explanatory variables and explanatory variables and predict the likelihood of future platform risks.Finally,according to the empirical results from strengthening the external supervision and improve the platform risk management two aspects,putting forward the specific countermeasures and suggestions.