Optimization Method Of Risk Control System Of "Ling Touniao" P2P Online Lending Platform

With the continuous introduction of the P2 P industry regulatory policy by the China Banking Regulatory Commission,the development of P2 P enterprises has become increasingly legalized.After rounds of reshuffling,the remaining platforms will face a more cruel test as an Internet finance company.How to regulate the development of the platform and improve the effective risk control system has become the foundation and core competitiveness of the P2 P platforms.The first chapter mainly introduces the background of the topic,the purpose and significance of the research,the research trends at home and abroad,and the research ideas.The second chapter describes the concepts,development status and operation mode of P2 P.The third chapter reviews the "leading bird" of the private network loan platform,and studies the main risks faced by the "LingTouniao",including external risks and internal risks.The fourth chapter analyzes the problems existing in the risk control of "LingTouniao" and finds that the "LingTouniao" credit review process and the three-party depository system are relatively backward,the principal guarantee system needs to be improved,and the risk control measures are not comprehensive enough.The fifth chapter analyzes the data of “LingTouniao” by logistic model,and finds that the default probability of the borrower is inversely proportional to the level of education and the maturity of the loan.And the loan amount,loan interest rate,loan frequency and income level are all proportional to the borrowers default risk.The sixth chapter puts forward the countermeasures and suggestions of improving the“LingTouniao” risk control system.Combining the quantitative analysis model,the credit audit will effectively assist the risk control personnel to examine the borrowers credit and reduce the overall default rate of the business.The interest rate of products should be appropriately reduced;Product diversification should be realized.Product risk shoulder effectively;Tripartite guarantee institutions should be introduced to enhance platforms ability to resist risks.The company management methods should also be improved.Chapter seven draws the conclusion of the thesis.