Research On Risk Evaluation And Control Of ZJ P2P Platform

P2P network lending originated in 2005,and has been expanding at a faster pace.Net loan fingernail information shows that by the end of 2017,the loan balance of P2 P net loan industry was 1 trillion and 224 billion 587 million yuan,up 50% compared to the end of 2016.In 2017,the volume of P2 P net loan industry was 2 trillion and 804 billion 849 million yuan,an increase of 35.9% over the same period last year.However,the rapid development of P2 P lending platform also has many problems,which attract more attention.In order to achieve stable operation of domestic P2 P net loan and reasonably show its positive impact on traditional finance,we need to gradually enhance the research depth of P2 P net loan risk.ZJ's P2 P platform has a registered capital of 50 million.It officially entered the P2 P market in 2016.At the same time when it obtained a business license and completed the depository of the bank,ZJ company has developed rapidly.The accumulated turnover so far has reached 160 million yuan,but at the same time It also faces the loopholes in internal risk mechanisms encountered b y many small and medium-sized P2 P platforms.This article studies the development of P2 P network lending and risk control,takes ZJ company as an example,through questionnaire survey and research,obtains the required data,determines the risk weight of ZJ P2 P platform,and finds out the crux of the risk.In helping it better build and improve its own risk control system.First of all,this paper expounds the background and significance of related topic selection,combs relevant theory and literature about risk control of P2 P platform at home and abroad,and introduces the research method of this paper.Secondly,the basic theory of P2 P network lending is elaborated,and the existing various risk control modes in the P2 P industry in China are compared and analyzed.Thirdly,introduced the basic situation of ZJ P2 P platform,analyzed the risk and the cause of the problem,put forward ZJ company's P2 P platform risk evaluation rating index system and based on this,built the AHP of P2 P network loan risk evaluation.-The FCE model collected relevant data through questionnaires and other methods,and applied the constructed AHP-FCE model to evaluate the risk of ZJ's P2 P platform.Among them,the application of AHP method to build the weight of risk indicators,the application of FCE model to sort the risk elements and the ZJ company's P2 P platform risk comprehensive evaluation.Finally,Based on this,combined with the results of risk assessment,it includes the risk control strategy based on the platform itself,t he risk control strategy based on company strategy,and the risk control strategy based on external supervision.