The Analysis Of Risk And Risk Management In P2P Landing

In recent years,the P2P lending system based on the Internet has achieved rapid development.The emerging industry of P2P lending has made up for some gaps in the lending industry,benefiting a number of small and micro enterprises and individuals unable to obtain loans from banks.However,because it is different from the traditional financial industry,the credit loans are available and the lending channel is on the internet.This new financial model exposes more and more problems and illegal platforms,which have shown a great damage to the property of the investors,It has brought huge losses and has also had a very negative impact on the social trust of this model.All these make people begin to gradually increase the emphasis on P2P lending risk control.Now that the state has also increased supervision over Internet finance,it has great determination to rectify the chaos of Internet finance.In the future,exploring the control of risk factors in the P2P lending platform is a major concern for all major platforms.This paper begins with the identification,risk assessment,and risk control of P2P lending risks.First of all,identify the P2P lending risk is mainly divided into external risk and internal risk two major aspects and 12 subdivided risks.Then the identified risks are evaluated by fuzzy analytic hierarchy process to assess the risk size.It is concluded that the external risks of the online lending platform are compared with the internal risks and the external risks are greater than the internal risks.In the external risk analysis,the six external risk weights of customers,law,reputation,supervision,industry,and market risk are ranked from the largest to the smallest.In the internal risk analysis,the biggest weight is the technical risk.In this paper,the assessment model for the P2P lending risk created is based on the fuzzy analytic hierarchy process method,which overcomes the limitations of quantitative analysis or only qualitative analysis and puts a lot of risks in platform risk assessment.The qualitative and quantitative factors were organically unfolded and a more reasonable risk index study was conducted.Finally,the risk response measures were proposed and the evaluation of this paper was obtained.In the end,this paper proposes corresponding countermeasures for large-scale risks,for example,expanding the introduction of third-party guarantees to loan customers to reduce customer risks;advocating the government to introduce P2P network lending related laws and policies as soon as possible;increasing the platform's external information disclosure;Quality;increase the internal control of the platform and other specific measures to deal with risks.In order to realize the stable and orderly development of the P2P network lending model in the Chinese market,it will effectively contribute to inclusive finance in China.