Research On Risk Analysis And Risk Control Measures Of P2P Online Credit Platform

Since 2016,although the P2 P industry has gradually been rectified,the rectification path is still unclear,and deep-seated problems remain unresolved.In July 2018,the trading volume of the P2 P industry showed the largest decline in the history of the industry.The liquidity risk of the industry increased,and the platform with weaker strength faced reshuffle.The platform with stronger strength also faced the test.The reason is that on the one hand,because the P2 P industry has entered a period of risk-concentration,a large number of large-scale platforms have problems.On the other hand,there are more negative public opinion events in the P2 P industry,and the negative sentiment of the lenders is heavier.Weakened,the investment fever plummeted,resulting in a sharp drop in capital inflows and increased pressure on platform funds.This paper takes the overdue and bad debt events that have occurred in the Hongling Venture Capital Platform as an example to analyze the current P2 P platform's shortcomings in risk control and provide some suggestions for the healthy development of the whole industry.The first chapter of the thesis is the analysis of the domestic and international research status of the P2 P industry,and the research methods and overall framework.The second chapter is the development of the P2 P online lending platform in China,including the development of P2 P.The review of P2 P industry regulatory policies and the development characteristics and operation mode of China's P2P;the third chapter is a case study of the Hongling Venture Capital Platform,including the introduction of the Hongling Venture Capital Platform,the types and sources of risks on the platform,and the platform.The fourth chapter is the summary of the risk sources and control measures of the Hongling Venture Capital Platform.The fifth chapter is the summary and suggestions.It concludes that there are five types of contradictions in the P2 P industry in China,and finally from the infrastructure and operation mode.And the three aspects of regulatory countermeasures provide targeted recommendations for the healthy development of China's P2 P industry.