Research On The Risk Control Of Bank’s Borrowing Under The Silver Valley Company

P2P network lending platform development model has pure online mode and online approval + offline marketing mode two.Pure online model has expose d a variety of drawbacks in the past few years,mainly reflected in the quality of borrowers less customers,customer demand is difficult to accurately identify.To this end,from 2013,many domestic P2 P network lending companies have layout offline stores,asset and capital side of the optimization,in order to occupy a greater initiative in the market.Setting up offline stores is conducive to sink customers channels,directly tap customer needs;is conducive to the borrower face to face audit,reduce the risk of borrowing;to attract high net worth financial customers,to protect the long-term stability of the source of funds.The development of P2 P network lending depends largely on the development and progress of external supervision and data system.Th e establishment of offline stores first is to avoid the risk of imperfect credit information system and regulatory system in China,but also lay the foundation for better risk control of online lending in the future.This paper first analyzes and understands the related literature and data of P2 P network lending,and summarizes the experience of sales management and data research of the most representative enterprises in P2 P industry in recent six years,and on this basis,explores the theoretical breakthrough point of this paper.Secondly,through the analysis and Research on the current development of P2 P network lending at home and abroad,expounds the basic development situation of domestic P2 P lending network,the P2 P network lending development process were reviewed,based on the history which we segment Yingu problem and solve the risk prevention and control.Again,the Yingu company as an example,to store the line as a starting point,through the analysis and comparison of the present situation of Yingu company under the line of stores loan implementation,analysis the approval process of Yingu company’s rationality and risks,and later put forward related solutions to problems.In this paper,the project for the near future,the relevant data and con tent of novelty,in the identification of risk points can provide reference for similar projects,for the risk point control means can also provide reference for most P2 P financial companies.