Research On Risk Warning And Prevention Of P2P Lending Platform

Internet finance is the organic combination of modern financial industry and Internet information technology.Thanks to the Internet,the financial industry has burst out new ideas for the development of many industries and derived various forms of existence.P2 P online lending platform,as an important existing form of Internet finance,is a key step in China's financial reform,which improves the efficiency of social financing and alleviates the problem of small,medium and micro enterprises having difficulty in obtaining blood transfusion channels in Banks.Although it started late in China,it attracted many borrowers and investors by virtue of its low financing threshold,high yield rate,more convenient operation mode and process than traditional finance,and the number of platforms mushroomed after 2013.But due to the low height for admittance into industries,China's financial regulatory system is not perfect,relevant laws and regulations enacted not timely,incomplete,brewing behind high growth is difficult to forecast and see the huge risk,platform capital chain rupture run road,rigid honor,platform from the melt,a serious threat to the healthy development of the Internet financial.Therefore,it is of great significance to establish a scientific and accurate risk warning mechanism to prevent and control risks of P2 P platforms and take corresponding measures to reduce unnecessary losses.This paper first clarifies the concept of P2 P lending platform and related theoretical basis.Secondly,it analyzes the operation mode of China's platform and the common financial risks under the current background.Thirdly,taking Yilong platform as an example,this paper USES clustering,principal component analysis,and other statistical methods to make an empirical analysis of risk warning.Finally,based on the risk assessment results and relevant risk prevention and control experience,corresponding Suggestions and prevention and control measures are put forward for the risk prevention and control of the platform.This paper is divided into seven chapters in structure,and considers that for the risk prevention and Control Countermeasures of Yilong platform,it is necessary to strengthen the management of franchisers,improve the post-loan inspection mechanism,improvequality of employees,improve the assessment mechanism,and establish the rural credit mechanism.