| The origin of Peer to Peer Lending in 2005,in 2005 to the present stage has experienced rapid development process.The net loan home provides data show that in 2016 the scale of the whole year trading platform for 348 billion 270 million yuan,an increase of about 40.9%.of borrowers and lenders can finance more directly through the P2P network lending platform.This and the traditional financial institutions model is completely different,P2P network lending can make up for some limitations of the traditional financial structure,especially the effective supplement of microfinance,capital utilization is improved,but also to promote national has been advocated by the Inclusive Finance.At the same time,the rapid development of P2P network lending platform also has a lot of problems,informal network lending platform also due to poor management platform and emerge in an endless stream,the platform collapse event and run away from To the attention of the community,the existing P2P network lending platform risk should not be overlooked,in order to promote the healthy development of China's P2P lending network,give full play to its role as a complement to the traditional financial and beneficial influence to the society,to strengthen the research and recognition of the P2P network lending platform risk.Identification of P2P network lending risk,the risk supervision on them is the base to promote the orderly development of the P2P network lending.Based on the research of P2P lending network development process,clear and process connotation of P2P network lending,risk problems explore lending network,analyzes 6 major risks of network lending platform to the law risk,operational risk,credit risk,liquidity letter, reputational risk and network risk.And through the AHP chromatography to identify the weight of various types of risk,risk to identify different network lending platform overall risk contribution,based on this and put forward the corresponding risk control measures. |
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