Research On Quantitative Risk Early Warning Of Online Lending Platforms

At present,the online lending platform is develop rapidly in China,accelerating the efficiency of social financing matching,and the low threshold and regulatory defects have led to the collapse of a series of online lending platforms.In order to effectively avoid such incidents,it is necessary to carry out the corresponding risk early warning of Online lending platforms,do a good job of risk prevention and control,effectively reduce the probability of loan risks,thereby promoting the sustainable and stable development of the industry.This paper summarizes the definition of the network lending platform,analyzes and evaluates the current development status and potential risks of the network lending platform based on the development of the network lending platform and its operation mode,and puts forward the corresponding loan financial risk evaluation system for the network lending platform by using the financial risk grade evaluation index and mode of commercial banks.Based on the risk assessment system,the risk early warning model is further established by using principal component analysis and optimized KLR signal analysis method,and further verified by Logistic regression analysis,then the financial early warning model is used to analyze the risk problems of the network lending platform in 100 network lending platforms.Through the risk early warning analysis of 100 online lending platforms,the analysis results are consistent with the development of the platform,showing that the designed model can reasonably provide an effective value reference for the evaluation and early warning of the financial risk of online lending platforms,provide a reference for investors to invest,and then for the management style of online lending platforms.Provide ideas for risk prevention and control,and put forward corresponding suggestions for the improvement of relevant regulatory system.