Study On Risk Management Of P2P Lending Platform In China

In recent years,with the rapid development of Internet technology,the Internet is constantly affecting people’s clothing and living,which plays an increasingly important role in people’s life.Because of this,more and more traditional industries combine with the Internet to seek new development in the industry.With the combination of traditional finance and the Internet,the development of Internet finance industry has become a force that cannot be ignored in the modern financial industry.P2P network platform as an important part of the Internet financial loan,since China’s first network platform-loan appropriate letter since it was founded in 2006,after nearly 10 years of development,by the end of December 2016,the normal operation of P2 P network platform has 2930 loan.P2 P network platform in the rapid development of our country,which is inseparable with our country’s basic national conditions,with the development of economy,more and more people in the hands of idle funds,the emergence of P2 P network credit platform provides a convenience for people’s investment channels.,on the other hand,individual and industrial and commercial door,small micro enterprise due to poor credit,such as lack of mortgage assets or the guarantor,for a long time by the problem of financing difficulties,the emergence of P2 P network credit platform provides a new financing channels,for this part of the customer is good enough to fill the market vacancy,contributing to the development of small and medium-sized enterprises,as well as absorb social idle funds to provide a more efficient way of investment.With the rapid development of P2 P network credit company,constantly exposed platform problem,especially in the risk problem,based on the net loan company as A case study in risk management,from the present situation of A company’s risk management and the analysis of existing problems,A net credit company due to the unreasonable organization structure,risk management process is not scientific,low quality of employees,the business process is not standard,risk supervision and the existence of various problems,such as serious impact on the development of the company,based on the detailed analysis of the problems in A net credit company,on the basis of the risk identification,evaluation,decision-making,monitoring,and so on to build and optimize the risk management process.The operational risk management scheme is proposed in terms of organizational structure,business process,institutional system,credit rating,post-loan collection,risk monitoring,human resource management plan and so on.At the same time,the common risk problems of p2 p lending platforms in China are proposed from the regulatory level,the industry level and the platform level.To provide some advice for managers and regulators,we hope to have some enlightenments to the healthy development of Internet finance in China.