Study On The Risk Warning Mechanism For The P2P Lending Platform

With the rapid development of China's Internet financial,P2 P lending platform is the development of the vanguard of the loan,the number of the problem platforms quantity rapid growth since 2014.The most effectively method to control risk is to predict the risk accurately for the government regulation,investors and P2 P network platform.Based on this,this paper taking P2 P network lending platform as the research object,construct the loan risk early warning mechanism which include the risk early-warning index system,method of risk early warning and risk early warning operation process.Put forward the proposal for the government,the P2 P network platform and the loan investors according to the result of empirical analysis,.Firstly,this article combs the Internet financial risk research both at home and abroad and analyzes the related theory of risk assessment and early warning mechanism.Secondly,this paper find out the P2 P network lending platform that exist in the progress of the development of loan in China with studied by analyzing the operation mode of the lending platform in china and comparing the mode with developed countries such as Europe,and the United States.Analysis of risk factors that affect the P2 P network lending platform loan by combining with current situation of the development of the P2 P network lending industry in our country.Then,this paper design risk early warning index system according to the risk affecting factors,research risk early method using the regression method of binary Logistic and orderly Logistic in view of the sample platform and construct of risk early warning mechanism and set up early warning process according to the design principles of risk early warning mechanism.Get the corresponding conclusions through examine the rationality of the risk early warning mechanism is the core part of the design with the empirical analysis of 100 samples platform.Finally,this article put forward the suggestions on government regulation,investors' investment and specification operation of P2 P network lending platform based on the theoretical research and empirical analysis and combined with the process of the implementation of the risk early warning mechanism.