The Credit Risk Management Of P2P Loan Of Company L

With the rapid development of the internet finance, as a new lending facility, P2 P loan platform plays an increasingly important role in meeting personal loans and SME financing. As an important line of defense of P2 P loan platform, credit risk management is an important factor in determining whether P2 P loan platform develops healthily or not. In recent years, P2 P loan platform is going bankrupt on foot, which is attracted the attention of regulators and communities. The importance of credit risk management has become more and more urgent.L company started off with the business of micro-lending. In the tide of the internet financial development, L company establish to run P2 P loan platform by integrating the offline customers and partners resources. During the initial stage of operation, there're some problems in many aspects, such as the establishment of credit risk management system, the controlling of flow and the supplying of professionals. L company needs to conduct a comprehensive summary and integration for credit risk management system of P2 P loan platform. In this paper, some improvements will be proposed for the construction of L company P2 P loan platform's credit risk management system by combining with the credit risk management tools and L company P2 P loan platform's business features.The first chapter is mainly on researching background and significance, the literature review of credit risk management and description of methods. The second chapter reviews the theoretical credit risk management, including the basic principle of credit rating system, principles of credit risk measurement and credit evaluation based on user's network behavior, and in the following chapters, which are the role of credit rating system, credit risk management framework, the theory of credit rating, the role of credit in the credit process, credit risk metrics measurement framework, credit risk management based on user's network behavior and credit assessment methods. The third chapter does an analysis of the current state and problems of credit risk management in company L P2 P loan platform. The fourth chapter analyzes the construction of L company P2 P loan platform's credit risk management system, including organizational structure, credit risk management and controlling processes, credit risk assessment methods and the introduction of credit risk management institution. The fifth chapter is the conclusions, which further clarifies the application of safeguards and research prospects in future.