Operational Risk Analysis Of Network Lending Platform

Internet finance is a hot spot in the current market,and it is the highlight of financial innovation.This new business model has a great impact on the traditional banking industry.The net loan platform uses advanced technology to provide information exchange platform for both borrowers and borrowers in order to meet the demand of the borrowers and realize the value added of the investors.However,while the P2 P industry is booming,there are many risks,such as credit,law,supervision and operation management.With the increase of net loan number,on the one hand,small and micro businesses and individual financing problems can be solved.In addition,investors' investment channels should be increased,so that their assets can be maintained and appreciated.As an information intermediary platform,it faces various risks in the process of development and has gradually aroused the attention of all parties.At present,there are few studies on the operational risk of P2 P industry in China,and there are almost no research on the operational risk of the Hongling Vc firms.By summarizing the experience and lessons of Hongling venture capital operation mode,this paper will provide reference for other network loan platform's daily operation and development,enhance the operation stability of network loan platform,and improve the feasibility of policy recommendations.This paper first summarizes the reality of the domestic online lending platform,including the development of the online lending platform and the operation of the network lending platform.Secondly,a case study.First of all,the brief introduction of Hongling Venture Capital,case study,is the operation risk analysis of Hongling Venture Capital,this part is the focus of this paper,from the Hongling venture capital development business model to find out the risk factors affecting the development,explain the reasons,Finally,it is the conclusion and enlightenment.According to the reality of the online lending platform and the problems of Hongling Venture Capital Corporation,it is pointed out that Out of the development model advocated in this paper,the future development trend of the network loan industry.