The Research On Vehicle Loan Risk Management Of TNW Network Lending Platform

Since the introduction of P2P network lending model in China,P2 P platform has been in the barbaric growth stage,in the decade from zero to nearly four thousand fast growth.In July 2015,the CPC Central Committee and the State Council agreed that the Central Bank and other departments jointly issued the "on the promotion of the healthy development of Internet financial guidance" to regulate the healthy development of Internet finance,then continue to run the P2 P platform Dropped to more than 2,500.Most of these problems because of their own risk management capacity is not strong,resulting in difficulties,the funds difficult to succeed,forced to close only closed.And the future will continue to increase efforts to clean up the P2 P network lending market,so now the normal operation of the platform only efforts to improve the platform's own risk management capabilities to improve their own risk management system,can have the strength to save in this market raids,Can promote the healthy development of the entire industry.Through the study of the existing achievements of the industry,this paper finds that the research on this topic is based on the risk management of P2 P industry as a research object or the risk management of P2 P lending platform with pure credit loan business as a case study.A Case Study on Risk Management of P2 P Loan Platform with Mortgage Loan as the Main Business.Therefore,this paper chooses the TNW network lending platform as a case to study its risk management.TNW network lending platform is a very good platform,in the network loan home comprehensive assessment of the top ten,in profitability,business model,risk management and other aspects are doing well.The platform operates vehicle mortgages,home mortgages,personal credit loans,in which the vehicle mortgage is its main business.Scholars generally believe that collateral loans are less risky than pure credit,so the platform for operating mortgages is more robust than the platform for operating pure credit loans.However,in the innovative financial model,there is still a risk problem even for a robust platform for operating mortgages.This paper studies the risk management of the TNW network borrowing platform,identifies the risks of its existence,analyzes and evaluates the risks,and puts forward the corresponding solutions to help the TNW network borrowing platform to realize the healthy development.But also hope to be able to other P2 P network lending platform,and even the entire P2 P industry has a reference role.This paper studies the risk management of TNW network borrowing platform by means of literature analysis and case study.It is found that the main car loan business of TNW network borrowing platform has problems in credit risk and operation risk.The paper that the main reason for its problems because of asymmetric information,blind expansion of the market,the quality of platform staff is not high.This paper puts forward some concrete suggestions for the TNW network lending platform in perfecting the loan before loan,loan and post risk management.The author hopes that the research on the risk management of TNW network borrowing platform can put forward the effective and feasible risk management method suitable for China P2 P network borrowing platform,and hope to provide some help to the steady development of P2 P network lending industry at the same time.