Research On Credit Risk Management And Control Of P2P Business In Yi Dai

In recent years,Internet finance is developing vigorously in China P2 P has shown a booming trend in China,and the pattern of P2 P lending,third-party payment and big data finance is becoming a disruptive force in the financial system.Among them,P2 P due to the largest number of platforms,the highest attention to the reasons for the development of Internet finance as a whole "barometer" and "weathervane".By the end of December 2017,there were about 5970 P2 P network lending platforms in China,including 4039 problem platforms and 1931 normal operating platforms.The number of platform problems accounted for the total number of platforms 67.65%,industry chaos is very obvious.Excluding part of bankrupt platforms,71.03% of platforms nationwide exist problems owing to risk control.Uncollectible accounts remain high,cash flows can not keep the company running,and eventually shut down,and some platforms even have investigative intervention.On July 8,2015,People's Bank of China and ten other ministries made it clear that In China,the financial industry and the deep integration of the Internet industry is the general trend of the development of the financial industry.On August 24,2017,CBRC issued the "Guidelines for Disclosure of Business Activities of Internet Lending Information Intermediaries" to standardize the online credit platform,which shows that although China encourages,supports and guides the sustainable and healthy development of Internet finance,the "Golden Hoop" worn by P2 P platforms has become increasingly tighter.There are significant differences between Internet finance industry and traditional finance industry in business model and risk control.P2 P service has a high degree of risk and complexity,simply using traditional risk control means has been unable to meets the needs of P2 P.There are also obstacles in the information exchange and transmission between the credit information system of each network loan platform and moreover related policies and regulations are not very sound and other difficult problems.All these have become the reasons that hinder P2 P business to lag behind in the construction of credit control.Based on the research logic of "comparison-reference-innovation",this paper designs the credit risk management system of the P2 P platform at home and abroad,and puts forward the innovative double system model of credit evaluation.The main research results include the following aspects.The first point is the new dual-system evaluation model based on the central bank credit and Internet levy system is innovative and is a new risk management system.Second,the new credit information system has the new logic to use the central bank credit data and combine with the civil credit information agencies to form a complete credit ecological circle.Third,the network needs to establish a comprehensive risk management system,from the pre-loan,loan,post-loan and 5C aspects,sub-15 dimensions of the whole process of risk management.