Research On Risk Management Of Peer-to-Peer Online Lending Platform Based On ISO31000 Standard

Peer-to-Peer Online Lending platform originally for the tip of the iceberg of Internet Finance,now become a leader,ease the financing difficulties of small and medium-sized enterprises to a certain extent,and made a contribution for the rational allocation of social funds,inclusive finance.With the regulatory policy landing,P2 P platforms take "big reshuffle" 、“regulatory rules”、 "three hardware" 、 "thirteen prohibitions" to make P2 P platforms great change,"compliance" became the primary task.P2 P platform risk management is always a cut,it's the "life safety line" of P2 P.Although each platform has its own system of risk control more or less,but it's not comprehensive and has many loopholes,so,there is an urgent need for a set of sound and perfect risk management system.ISO31000 risk management standards exactly can make up the blank of the risk management of the P2 P.Combining Iqianjin platform,multum in parvo,for the sustainable development of platform.First of all,through the literature review and analysis of the current situation of Peer-to-Peer Online Lending platform,in addition to external supervision,for many of the risks facing the platform to take relevant measures,such as big data,cloud computing,risk control model construction and analysis,but they are scattered localization,the lack of systematic risk management theory as a guide.And the ISO31000 risk management standard just provides a whole train of thought for the Peer-to-Peer Online Lending platform.Secondly,this paper briefly introduces the general situation of ISO31000 risk management standard COSO-ERM(2016 opinion Edition),and through comparative analysis,points out that ISO31000 standard is more suitable for Peer-to-Peer online Lending platform.One of top ten Peer-to-Peer Online Lending platform of AQJ into the case,based on the analysis of the risk management of ISO31000 standard,to explore 5 aspects based on the ISO31000 standard,namely "built environment","risk assessment","risk response","coordination and communication" and "supervision and review" ideas.On the online lending platform of risk management is built,and a large data risk control,model construction and into which the framework to build a more comprehensive and specific,more innovative and robust,this standard can provide a useful way of thinking.Finally,from the aspects of regulatory policy,online Lending industry,online Lending platform and social and personal aspects,we put forward suggestions for risk management of Peer-to-Peer Online Lending platform.This paper focuses on the specific case analysis of Aqianjin based on the ISO31000 standard,and discusses the applicability and feasibility of the ISO31000 standard to build the P2 P platform risk management system.