Financial Risk Assessment Of P2P Network Loan Platformunder The Background Of Tighter Financial Supervision

Peer-to-peer network lending industry,as a new industry,has been widely concerned up to now.Since 2014,Internet finance has been included in the government's work report for five consecutive years.In recent years,the government has been advocating "inclusive finance".All these policies have led to the explosive development of P2P network loan platform in China.However,since 2016,the country has implemented strict financial regulatory policies,limiting and standardizing the development of P2P platform,in view of this situation,this paper mainly studies the impact of the tight supervision on the financial risk of P2P platform.This article mainly chooses the whole industry risk situation and the individual platform risk situation,carries on the financial risk analysis from the macro to the micro level,reveals the financial supervision influence to it.Firstly,the risk of 25 representative platforms in P2P network loan industry is measured by factor analysis method,and the degree of financial risk of 25 representative platforms is analyzed,and then the comprehensive value of factor analysis score is used to sort the financial risk of 25 representative platforms.Finally,it is found that the finance of the pleasant loan platform is in a dangerous area.Secondly,select the appropriate loan as the problem platform for micro-analysis,based on the analytic hierarchy process(AHP)to analyze the weight of the financial risk of the platform,to determine the impact of the financial risk of the platform.The main influencing factors,the results show that the internal risk of capital risk weight is relatively large,in the background of financial supervision appears an upward trend;the external risk of the market risk weight is larger,in the background of strict supervision presents a downward trend.Finally,the Z-score method is used to analyze the financial risk of the pleasant loan platform.It is found that the bankruptcy risk of the pleasant loan platform has always been below the warning value since the financial supervision policy has become more stringent,and the bankruptcy risk is relatively large.However,the risk of platform bankruptcy is gradually decreasing in the last three years,and the degree of bankruptcy risk reduction in 2017 is the most obvious.Through the analysis of this paper,this paper analyzes the current situation and impact of the financial risk of P2P platform under the background of financial supervision,and finds that the financial supervision policy has a greater impact on the P2P platform,and analyzes the main impact aspects.Try to provide some theoretical reference and model reference for other companies.