Research On Financial Risk Early Warning Of P2P Network Lending Platform In China

In the face of the increasingly complex market environment,the traditional lending model can not adapt to its development,and the development of new types of Internet finance,especially the P2 P loan platform,has better adapted to the current complex situation and is an innovation of the traditional model.Its appearance makes up for the shortcomings of the traditional Jinrongshichang,which has greatly solved the financing problems of small and medium-sized enterprises.It is a perfect implementation of the "double creation" and inclusive financial policies.However,while Internet finance brings great convenience to us,the risks it brings can not be ignored.Preventing financial risks is a difficult task for us to overcome,and how to effectively identify and prevent the shut-down and runaway problems,especially the more prominent financial risks,that the P2 P Internet lending platform has repeatedly burst out is a problem that Internet finance urgently needs to pay attention to and solve.It is also the focus of this paper.Based on the current development of Internet finance,this paper attempts to use the P2 P loan rating platform provided by the three institutions as a research sample,using the combination of literature research and quantitative and qualitative methods to carry out empirical analysis and establish a corresponding financial risk warning system.This article first explains the significance and purpose of the research on P2 P network lending platform,and looks up relevant literature to understand the current situation of the development of P2 P network lending platform at home and abroad.It is believed that most scholars 'research on P2 P network lending platform is limited to various types of risk analysis.There is little research and early warning system for financial risk.Based on this,this paper determines the empirical research methods and innovates the traditional early warning indicators.Then it introduces the definition,model,related financial analysis methods,and financial early warning model of the P2 P Internet loan platform.In addition,it also explains some theories about Internet finance.The development status of P2 P loan platform such as transaction volume,problem platform,loan balance,etc.are introduced,which lays the foundation for the establishment of P2 P loan platform related financial risk warning model.Based on the four dimensions of the LAPP method to determine the relevant financial indicators of the P2 P network lending platform,30 P2 P network lending platforms with ratings on the list were selected as samples from the tripartite organizations.Using the analysis method of extraction principal component and KLR signal improvement method to construct the financial risk warning system,the corresponding security level interval is established and the risk level is determined.According to the results of factor analysis,the comprehensive score is calculated,and the security level of P2 P network loan platform is obtained by improving the division of KLR signal analysis model before,and its current financial security status is judged.Finally,according to the results of the empirical analysis,some suggestions are put forward,such as clarifying the main body of supervision,increasing the severity of severe punishment,and preventing micro-development.Work with the central bank,enterprises and other tripartite agencies to improve the construction of the credit system with big data.We will strengthen the awareness of risk prevention among P2 P online lending platforms and investors,establish and improve relevant risk prevention and control mechanisms,and independently manage the risk reserve funds of the three parties.The P2 P network loan platform should also establish corresponding internal control systems such as auditing,disclose relevant information and make it transparent.