Research On Financial Risk Prevention And Control Of A P2P Online Lending Platform Named YRD

At present,with the rapid development of Internet,P2P lending emerges in the big environment.In recent years,China's P2P online lending industry has entered a stage of rapid development,with a large number of platforms springing up like mushrooms and record high transaction volume and number of participants.However,there are many hidden risks behind the prosperity.The emergence of problematic platforms has not only battered investors but also caused panic across the online lending industry.While seriously hindering the healthy development of the industry,it has added many disharmonious factors to the society and affected people's good life.There are many reasons behind the frequency of problematic platforms,among which the lack of supervision has always been the focus of public attention.People have been looking forward to the relevant industry regulators can come up with practical management measures to effectively regulate and regulate the industry chaos.Therefore,the interim measures for the management of business activities of online lending information intermediary agencies drafted by the China banking regulatory commission,the ministry of industry and information technology,the ministry of public security and the state Internet information office was issued and implemented in 2016.In the voice of the public and the industry platform,the establishment of the external regulatory system is effective,but the financial risk prevention and control problems faced by the platform itself are often easy to be ignored.Therefore,it is imperative to analyze and improve the existing prevention and control measures of P2P platforms for financial risks.This research can help us better improve and enhance the risk prevention and control system of online lending platforms.By using the method of literature study,comparative analysis method and the combination of theory and case analysis method,the risk of lending to P2P network platform of asset quality,capital risk,liquidity risk and risk of profit model is analyzed,combined with pleasant platform currently adopted by the loan risk prevention and control measures,such as diversification strategy,big data of risk control and post-loan credit risk compensation system,etc.,to explore found risk prevention and control measures to the problems existing in the platform,and analyzes its forming reasons,and gives reasonable suggestions for reasons.On the basis of fully understanding the harm brought to the platform by financial risk prevention and control problems,the financial risk prevention and control mechanism should be actively improved to facilitate the healthy,orderly and sustainable development of P2P online lending platforms with huge development potential.