Research On Financial Early Warning And Prevention Of P2P Oline Loan Platform

With the continuous development and innovation of Internet technology,Internet finance has emerged which mainly includes third-party mobile payment,crowdfunding,and P2 P online loan.In China,SMEs and personal loans are difficult to finance due to their weak solvency and low value of asset collateral.The P2 P online loan market has been excessively chased after by SMEs and individuals and it has developed rapidly,reaching its peak in 2015.Under the “prosperous” appearance of the P2 P online loan market,competition between platforms has become fierce,and risks have accumulated continuously,leading to a sharp increase in problematic platforms and disappeared platforms.The various risks displayed by the online lending platform will ultimately be reflected in financial risks.Due to the few existing researchs of financial risk warning and control of P2 P online loan platform in China,and the late attention of relevant regulatory authorities,it is impossible to provide theoretical guidance for the platform,the platform also cannot have sufficient prevention awareness of financial risk and establish a systematic prevention system.How to warn and prevent the financial risks of P2 P online loan platform is the primary problem that needs to be solved now.First of all,this paper describes research background,research significance and methods,research status at home and abroad,relevant theories,etc.,this part systematically organizes the structure and provides the theoretical basis for the full text.Secondly,it introduces the development status of China's P2 P online loan industry,analyzes the main financial risk that it faces such as capital risk,asset quality risk,liquidity risk,profitability risk,etc.It also selects the appropriate indicator and weight in combination with the expert opinion and constructs the framework of financial risk early warning,divides safety zones,warning zones and danger zones,and through the financial risk early warning framework establishes a financial risk prevention and control framework,which includes comprehensive and risk prevention and control.Finally,the case analysis are carried out by taking the Yirendai as an example.Through the established financial risk early warning framework,it finds that the financial risk of Yirendai is in the warning zone,and takes comprehensive and grading prevention and control measures for existing financial risks.The establishment of the early warning and prevention and control framework for financial risks of the P2 P online loan platform can help platform practitioners to pay attention and effectively identify financial risks,and monitor the financial risks of the platform in real time.And effective preventive measures are taken in a timely manner to strengthen risk management and avoid financial problems and losses.At the same time,it provides reference for the regulatory authorities to provide regulatory basis and formulate reasonable regulatory policies,and continuously promotes the healthy and compliance development of the P2 P online loan market.