Research On The Causes And Prevention Of Credit Risk Of P2P Platform

P2P network lending,as a new tyPe of financial services,has been more and more accePted by the Public.Due to the relatively low threshold of the borrower to enter the Platform,the loan relationshiP between the two sides of the serious asymmetry,so that the P2 P network loan Platform is facing serious credit risk,which also makes the loaner's financial security is greatly threatened,but also let the network loan Platform suffer severance of the high bad debt rate,serious will even lead to the economic risk of breaking the oPerating caPital chain,but also bear the economic and Public oPinion Pressure of all sectors of society,from June 2018,P2 P Platform burst of "thunder" is the feedback.How to Put forward effective and feasible risk Prevention measures for the oPeration mode of the network loan Platform is a Problem that must be solved at Present.This PaPer is based on the research idea of "asking questions-analyzing Problems-solving Problems".First of all,this PaPer analyzes the current situation of P2 P online loan industry,summarizes the serious Phenomenon of overdue loans of the online loan Platform,the Problem to be solved by credit risk,and analyzes the mechanism of credit risk generation and the existing Policy suPervision system;In terms of Platform management system and borrower factors,the reasons for the formation of credit risk for everyone are analyzed,and finally,according to the analysis of the causes of credit risk,the relevant suggestions of risk Prevention are Put forward,such as the establishment of reasonable interest rate Pricing mechanism,strengthening the Penalty mechanism of the Person who lost the trust,etc.The research of this PaPer holds that the renren loan Platform can Play a role in reducing credit risk to a certain extent after the official oPening of the credit card,the information of loan Products,such as the loan interest rate is too high,the loan term is short,etc.,are Positively correlated with the high and low credit risk,the single Post-loan collection system of the online loan Platform can not meet the needs of the existing credit risk of the Platform,the borrower's age,income and other factors affect the borrower's credit risk from the rePayment ability,and the borrower's historical loan information.Credit rating is closely related to the borrower's credit risk in terms of willingness to rePay.