Research On Risk Control Of P2P Online Lending Platform From The Perspective Of Multiple Cases

With the financial innovation,in order to adapt to the requirements of the market,the pace of financial supply side reform is also urgent.As an important form of expression,P2 P online lending industry provides new financing channels.However,the brutal growth of P2 P online lending industry has brought problems such as excessive overdue rate,illegal financing and money laundering.The main reasons are the asymmetric information and adverse selection brought by the credit crisis,and the low threshold of the industry.This paper analyzes the definition and characteristics of P2 P online lending platform,combines reputation management theory and information asymmetry theory,and reviews the research status of operation mode,risk types,risk causes and risk prevention of online lending platform based on existing domestic and foreign literature,as the theoretical basis.To draw lessons from foreign lending to network platform of risk control experience,combined with China's basic national policy,select on loan,"e",red hill throws the lending to the three typical patterns of different network platform,the basic characteristics of three network lending platform operation and introduces the basic situation,generally,it is concluded that lending to network platform have irregularities,illegal financing,internal financing,such as higher risk,rising YuQiLv,destroy the financial market order etc.Characteristics.Based on the analysis of the operation and characteristics of paipaidai,"ezubao" and hongling venture capital,the paper concludes that there are internal and external risks and further explores them.Reasons for internal risks: errors in business strategy,defects in operation mode and loopholes in platform risk management;reasons for external risks: lagging supervision and imperfect self-discipline system of the industry.Then,from the four levels of regulation,identification,early warning and guarantee,the risk avoidance mechanism is built step by step.From the perspective of "people",the standardized mechanism of talent recruitment is specialized,talent development is standardized,and personnel business is standardized.The identification mechanism mainly aims at the borrower and the investor,from the borrower verification identification mechanism and the investor identification mechanism;From the perspective of "platform",the early warning mechanism constructs the platform risk assessment and optimization system and the information disclosure and transparency system,strengthens the platform risk prevention,and guarantees the information symmetry.The guarantee mechanism establishes the payment and recovery mechanism of overdue loan and the transfermechanism of bad debt risk.For external risks,Suggestions are proposed from the perspective of dividing legal boundaries,mainly from the perspective of financial positioning and improving the definition of legal interpretation,raising the threshold of the industry,setting the red line of access,entrusting the platform operating funds to third-party custody,and standardizing the way of use.