Research On Risk Management Of P2P Network Credit Platform In China

P2P network credit is private internet.Compared with the private loan,P2 P network credit to upgrade the hardware and software,with the network to spread a wider range,can make small business financing easier,but also enriched the investor’s investment channels,optimize the allocation of resources and promote financial innovation.Although P2 P network credit is developing at a high speed,but the development of the industry is still very immature.Moreover,for the government,society,P2 P network credit is a new thing,all aspects of the system has not yet established,the management of network credit is imperfect,lack of regulation,resulting in the development of the industry more chaotic,good and bad,great hidden dangers.In addition,China’s integrity certification system is not complete,network loan platform can not measure the integrity of the loan object,resulting in rising non‐performing loans,net loan platform,the probability of a large chain of funds broken,Paolu problem is very serious.P2P network credit industry in order to healthy development,we must improve the risk management capabilities.At present,most of the network loan platform for risk research has just started,the overall wind control capacity is weak.Based on the relevant theory,this paper analyzes the advantages and disadvantages of the three kinds of risk management modes of P2 P network credit by analyzing the source of the risk of the network loan platform,taking the benefit loan as an example,and objectively analyzing the current situation and existing problems of the risk management of the net loan platform in China.And puts forward the countermeasures and suggestions to improve the wind control system of net loan platform.In the first chapter,the author introduces the P2 P network credit industry in China and expounds the purpose,significance and method of this paper;The second chapter summarizes the relevant theories and summarizes the relevant research at home and abroad;The third chapter analyzes and classifies the risks faced by China’s P2 P network credit industry;The fourth chapter compares the four risk management modes of P2 P network credit industry in China;The fifth chapter takes Yi Tou net loan as an example to analyze the risk management mode and the existing problems of the platform;The sixth chapter raises the countermeasures and suggestions to improve the risk management ability of the network loan industry by referring to the problem,and the seventh chapter summarizes and prospects the whole paper.