Research On The Risk Control And Cooperative Innovation Strategy Of P2B Internet Finance

With the continuous development of market economy in China,the market is diversified and development,making it difficult for enterprises which have difficulty getting financing in the bank.Enterprise mode through usually get loans by Banks to solve the problem of its working capital,but the traditional financial institutions to enterprise's support is often not enough,then in P2P platform mode P2B model arises at the historic moment,the characteristic of high efficiency and convenient through online via the Internet from ordinary investors obtain funding for the development of enterprises to provide the necessary financial support,this article mainly through to the development of P2P mode and the main situation of P2P development at home and abroad,including the present situation of P2P industry in China to introduce P2B this concept,and auto financial business institutions of P2B mode and traditional financial institutions of small loan companies,factoring companies,financial leasing company to carry on the detailed analysis,and points out the advantages and disadvantages of each model,and through its product model how to control risks and subsequent development of how to carry out the study?This paper takes Sohu's Peer-to-peer platform as an example to analyze the case,finally,through case analysis,the paper puts forward the need to formulate corresponding legal policies,strengthen the construction of credit system,establish the escrow business of the third party funds and strengthen the risk self-control to carry out the corresponding risk control for the current risk control of the P2B Internet finance.