Research On P2P Platform Risk Management In China

In recent years,with the continuous development of the Internet financial and surge in demand of microfinance,P2 P network lending platforms have started to spurt of growth in the number and size in our country.Since it is effectively lower costs of transaction and improve the efficiency of borrowing based Internet technology,contributing to the reasonable allocation of social capital.But in the early stage of the Internet financial development in China,because the lack of government supervision leading to many problems of P2 P network lending platform,one of the most serious problem is that poor risk management increased the number of questions platform.Therefore,it is necessary and meaningful to study the risk management of P2 P platform in our country.Firstly,this paper combed the domestic situation of P2 P platform risk management,and summarized the experience of management risk both Britain and America P2 P platform.Secondly,it made an empirical analysis of the risk factors in China P2 P platform through the fuzzy analytic hierarchy process(FAHP),calculated the various risk factors on the influence weight of P2 P platform.And then,this paper took “ppdai” for an example to explore its issues and problems of the cause in the process of the platform operation.Finally,related suggestions were put forwarded.And the conclusion of this paper as follows: There are four problems of our country's P2 P risk management,risk management means a single,lack of risk management culture,lack of exit mechanism and the social credit system is not sound.Aiming at problem of the internal management,three suggestions are strengthen the construction of risk management culture,establishing the talent training mechanism and the bankruptcy mechanism.Meanwhile,three suggestions aim at the external issues are clear bank regulation responsibility,establishing the social credit system,and strengthen the borrower education.