A Company's P2P Lending Platform Internal Risk Management And Control Research

P2P lending is the capital supply and demand both sides to the Internet as the information channel to achieve financial inter mediation of financial services intermediary,is the investor through a third party platform to lend money to the borrowing needs of one side of the network lending model.P2P online lending point-to-point,convenient and fast features effectively alleviate the difficulties of financing small and medium enterprises in China,and promote the social capital distribution is more fair and reasonable,is a useful complement to China's traditional financial system.Although the vigorous development of P2P lending is the inevitable trend of market demand,but the legal gap,the lack of supervision so that the P2P platform wantonly flooding,the collapse of the tide,the risk of the future development of the crisis.Therefore,for investors,P2P platform,and even the entire financial system,the risk of effective evaluation and control,the establishment of a reasonable platform for P2P risk prevention and control mechanism becomes critical.Firstly,this paper introduces the theory of internal risk management of P2P loan platform,expounds the relevant theoretical basis of internal risk management,introduces the internal risk identification method,internal risk assessment technology and internal risk control method,Background,overview and the company's internal risk management and control of the status quo of the objective description,and in accordance with the internal risk management theory of the company's internal risk management and control activities in-depth analysis;then based on internal risk identification of relevant theoretical knowledge,the use of experts The investigation method and the analytic hierarchy process analyze the internal risk of Company A and get the internal risk factors of Company A.Then,through the selection of data and confidence,the index system of internal risk assessment of Company A is constructed,and the internal risk measure of Company A is measured by fuzzy comprehensive evaluation method,and finally the internal risk of Company A is at a manageable level.Finally,according to the results of the internal risk measurement,the specific countermeasures are put forward to reduce the internal risks of Company A and ensure the healthy development of P2P loan enterprises represented by Company A.The innovation of this paper is based on the internal risk management theory and case analysis.Based on the comprehensive study of Company A,the author analyzes the main internal risk factors which affect the development of Company A,and puts forward the internal risk response measures.P2P loan platform for the healthy development of enterprises has a more important practical significance.