Study On The Risk Aversion Of Private Lending Clients

With the development of society and economic progress,the demand for money funds in financial market is increasing.On the other hand,the limitation of bank lending conditions,promote the rapid development of private lending,private lending effectively supplement the financial system of monetary capital requirements,is the inevitable outcome of social development,but also produced many malignant borrowing events,hindered the rapid development of economy,at the same time a threat to peace and harmony society.Therefore,the discussion of the problem of private lending risk becomes the first one,and the risk of customer default is also in the key position.This article through to the scholars at home and abroad in recent years,summarizes the study of folk lending,starting from the basic concept and characteristics of private lending,the current development of folk lending depth profiling,analyzes the present situation and trend of mainly embarks from the folk lending client default cases,trial documents released by China net written judgment,the folk lending civil dispute case data,based on the original data to sort merge,summarized the main reason for the problem.Lending relationship here is mainly the borrower and the investor directly or indirectly,in between individual and individual or individuals and companies,borrowing channels are introduced through acquaintances or between the borrower and the investor itself is relationship between friends,relatives,rather than through a third party lending platform,this lending relationship to a certain extent,reduce the cost of borrowing directly,but also produced many negative effects,these negative effects from borrowers,lenders and relevant government departments three aspects discussed respectively,this paper raised the detail measures for private lending client default risk aversion,at the same time,the paper case by case,Summarized the concrete factors influencing the private lending default customer,again through the four specific case analysis,the summary,it is concluded that the folk lending client default risk of the specific reason,finally can induce avoid informal lending client default risk from the following aspects: perfecting the civil loan debt contracts;Cultivate social credit concept and increase social reputation punishment;To promote transformation and upgrading of enterprises,improve enterprise profit,the government policy to protect private lending,the lender also can through in-depth investigation,private detective to the borrower,buy insurance to insurance companies share a certain risk or use a third party to dun and other measures to reduce the loss.It is hoped that the prediction of future risk problems and corresponding preventive measures will play a role in the healthy development of economy.