Research On Risk Control Management Of P2P Oneline Loan Platform

The P2P online lending is a new form of financial innovation.It reduces the threshold for investors to participate in financial investment with the advantages of Internet and information technology,while closing the gap between investors and borrowers.The investors do not need professional financial knowledge and can make full use of their idle funds to achie-ve more returns.It fills the shortage in the demand for microfinance and solves the dilemma of microfinance for borrowers.The P2P online lending industry has developed rapidly with the development of Internet technology and the policy of "inclusive finance"advocated by the government.But the rapid development is accompanied by the chaos of the industry and the emergence of various risks.A large number of incidents like difficulties in withdrawing money,running,fraud have brought huge losses to investors,affected the healthy development of the P2P online 1 ending industry,and made investors lose confidence in the P2P online lending industry.This paper studies the risk problems of the current P2P online lending industry,excavates the root causes of the problem platform,and finds out reasonable countermeasures.It is conducive to the healthy and sustainable development of P2P online lending industry.This paper clarifies the importance of risk management and risk control for the healthy and sustainable development of P2P online lending platform through the literature study and summary of the current situation of the development of P2P online lending industry at home and abroad,combined with the process of the development of China's P2P online lending industry,and the data study of the development of China's P2P online lending industry for more than ten years.The whole P2P online lending industry has been greatly impacted by the implementation of national regulatory policies.The risk management characteristics of online lending platform are analyzed from the macro and micro levels.Firstly,the paper analyses the risk management characteristics of online lending platform from macro and micro levels.Secondly,the risk generation mechanism of P2P Internet Loan Platform is analyzed from credit risk,operational risk,default risk and other aspects,taking Yichedai Project in CrediEase Corporation as a case study.The paper analyzes the potential risk points and the actual risk control and management in the process of Yichedai Project in CrediEase Corporation.Yichedi Project is a big platform which relies on CrediEase Corporation and has certain platform advantages under the national regulatory policy.Platform of Yichedai Project has formed a good control and management mechanism of credit risk and default risk of the online loan platform by using the data of customer credit records which accumulated by the company for more than ten years and combining with the technology of big data on the Internet.But it also needs to strengthen its own internal management,reduce the operational risk of the platform,in order to become a benign development of the online lending platform under the overall trend of perfection and stability of the P2P online lending platform industry.The risk management experience of Yichedai Project in CreditEase Corporation provides better experience for other platform enterprises in P2P industry.