Research On Risk Control Of P2P Network Lending Platform Based On Supply Chain Finance Service

As an important part of internet finance,P2 P network lending service has great significance for Chinese financial market.While with the rapid expansion of the market,P2 P network lending platforms have shown a variety of issues.With the increasingly clear regulator policy,P2 P network lending market will face large-scale rectification,the gradual standardization of industry puts forward higher requirement to the risk control ability of P2 P network lending institutions.To deal with the industry competition,enhance their ability to gain assets and control risk,more and more P2 P network lending platforms have been looking to the supply chain finance service.The supply chain finance service of P2 P network lending platform not only has reasonable logic,but also feasibility in practice.The combination of P2 P network lending and supply chain finance can effectively make up the deficiencies in the development of both sides,and provide a new way to control the risk of P2 P network lending platform.In this paper,the P2 P network lending platform's risk control is studied from the perspective of supply chain finance service,and relevant suggestion is promoted according to the results of normative research and empirical analysis.This article analyzes the development status of P2 P network lending platform's supply chain finance service,studies the supply chain finance service model of P2 P network lending platform based on market situation.Considering the risk of P2 P network lending platform,discusses the advantages of supply chain finance services in the platform risk control.Then in order to make the supply chain financial service play an effective role in the P2 P network lending platform overall risk control,this study construct a risk evaluation system of P2 P network lending platform's supply chain finance service based on the combination of P2 P network lending platform and supply chain finance service,and uses fuzzy analytic hierarchy process to calculate the weight of index in this system.At the same,this study constructs a regression model to carry on the empirical analysis of risk factors for P2 P network lending platform by using platform data.Then discusses risk control in P2 P network lending platform from supply chain finance service's perspective with the empirical results.Finally,this research proposes recommendations about risk control of P2 P network lending platform from the P2 P network lending platform,regulator and investor's point based on the perspective of supply chain finance service.This article is based on a lot of research and investigation,comprehensively uses information asymmetry theory,credit ration theory and credit risk theory.At the same time,it uses the fuzzy analytic hierarchy process(AHP)and Logit regression model for empirical research.This article combining theoretical analysis with empirical analysis,studies the development of P2 P network lending platform's supply chain finance service and its role in the platform risk control.