Research On Risk Management System Of P2P Networks Lending Platform

China's P2P network borrowing,although relatively late starts,in nearly 2 year the rapid development is showing a burst of growth,due to lack of legal policy regulation,self-sufficiency of information asymmetry,Liquidity risk caused by the demolition of the borrowed item and the mismatch of maturity or the lack of funds management system and other reasons making the platform collapsed is commonly seen everywhere,indicating the importance of risk management,therefore,how to avoid the risk is particularly important.This article summarizes the characteristics of P2P network borrowing and studies the development process and operation mode of P2P network borrowing both at home and abroad.Then analyzing the causes of P2P risks and combining with the domestic P2P network borrowing situation from outside to inside,carries out comprehensive risk management system and ultimately the establishment of China's P2P network of comprehensive risk management framework for lending,to control the operation risk of P2P network platform,and then to regulate the industry and promote healthy development of the industryChapter 1: Introduction introduce the research background and significance of the topic,the main content and research methods are described in detailChapter 2: Theory and literature review of P2P network borrowing.First of all,the theory of credit risk management of P2P networks is taken as the basis of the research,and the research status of P2P network borrowing is summarized.Chapter 3: Introduce the development process and operation mode of P2P network borrowing and compare the differences between China's P2P network platform and other countries from three aspectsChapter 4: classifies the risk of P2P network loan in China,and then identifies and analyzes the causes of P2P network lending risk in ChinaChapter 5: With the external management system and internal control organization structure to establish a comprehensive risk management system and draw a comprehensive risk management system frameworkChapter 6: Summarize and prospect,put forward to the expectation of the future development of P2P network lending platformThrough the analysis of the six chapters summed up the current P2P network lending in some of the problems and solutions proposed in the hope that the P2P network loan-related industries help.