Research On Risk Control Of P2P Lending Industry

With the rapid development of network lending,the scale of P2P network lending business in China has achieved explosive growth.By the end of 2016,China's P2P network lending business matching loans has reached 1034.2 Billion yuan.P2P network lending in the allocation of financial resources to play a positive role,on the one hand,the past is very difficult in the traditional financial institutions to obtain loans Small and micro businesses and individual customers to meet their financing needs through the P2P network lending.On the other hand,compared to traditional bank savings,P2P network lending also provides investors with a variety of financial channels.However,we should clearly see that due to the downward pressure of nearly two years of China's macro economy is large,the risk for the bank to consider the compressed part of the weaker customer credit scale,the credit gap has a large P2P network lending by credit conditions relatively loose to fill.It is this part of the capital needs for the rapid development of P2P network lending provides an opportunity,but at the same time for the high risk of borrowing P2P network foreshadowed.With the P2P network lending business barbaric growth,the problem of P2P financial platform appears in large numbers.By the end of 2016,provided P2P financial platform is now difficult to run away and even reached 1478,but there are like "e rent treasure,rural credit,capital gifong billion P2P network lending platform.Although P2P network lending is a financial innovation,it is essentially not divorced from the nature of financial intermediation.Like traditional financial institutions,it is also faced with traditional financial risks such as credit risk,liquidity risk,operational risk,policy risk and reputation risk.And because of its characteristics of relying on the Internet,it is also facing regulatory risks,technical risks and other unique risks of Internet banking.At present,there are many problems in China's P2P network lending industry,such as illegal operation,lack of supervision and self-discipline,lack of platform risk management ability and so on.As China's P2P network lending business scale from the outbreak into a stable period,these problems are exposed,and some of the poor P2P network lending platform appears difficult to withdraw,closed,closed down and even running.This will undoubtedly bring huge economic losses to investors,some investors even caused the breakup of direct harm to the stability and harmony of our society.Based on the theory of financial risk management,this paper analyzes the deep reasons for the chaos of P2P network lending industry.By theoretical analysis and case analysis,detailed analysis of the type of risk of P2P networks lending industry and origin,and selected 3 cases of P2P network lending platform to carry on the empirical analysis,the management and control of P2P network lending industry wind how effective risk from the external supervision and internal control points advice.