Research On Credit Risk Management Of P2p Customers Under Internet Financ

Internet finance is one of the hot words in the financial industry in China and even the whole world.To accurately and quickly solve your micro individual businesses,small and medium enterprises loans,loans difficult problem,P2 P has become one of the key of the Internet financial,can not only effectively reduce the micro individual small and medium-sized enterprise loan risk and cost,at the same time,it can greatly improve the efficiency of loans,in the end also promoted the rapid development of economy.However,as the number of P2 P platforms continues to expand,the entry threshold of online lending is relatively low,and the whole industry is mixed with good and bad,leading to the continuous accumulation of risks.Credit risk has become the most important problem,and it is also restricting the healthy and stable development of the financial industry.After the chaos of the platform is checked,the credit risk management of P2 P customers becomes an urgent problem to be solved in the P2 P industry.Therefore,the study of this phenomenon has very important practical significance.Therefore,the article is mainly written around the risk management of P2 P customers.Based on the previous research experience of domestic and foreign scholars,and based on the existing tools,a risk management system suitable for P2 P customers in China is built.From the current our country can be clearly seen in the existing literature,much of the research is based on P2 P platform subject mode as the main discussion and research fields and objects,but due to lack of some actual case studies,this article will mainly through the case to "net credit group" to some empirical research,at the current P2 P The foundation and trend of the future development of the platform industry are taken as the basic points of the study.These cases are used to create an orderly Logistic model that can be divided into multiple variables.The regression model is established based on the corresponding data of CNNIC Group to analyze the causes of credit risks and carry out regression analysis and verification.This paper chooses the network information group as the research object,using the literature review,case analysis and other research methods,this paper makes a research and analysis on how to identify the customer credit risk management,how to evaluate the factors of the customer credit management and how to control the customer credit risk management,it is concluded that the following problems exist in the way of credit risk management in Netease Group: the Borrower’s poor repayment ability and willingness,the decline of external financial environment,the inaction of Enterprise Management,and the incomplete management of the trusteeship mechanism,the mode of operation and management is extremely chaotic and so on,these factors are the main reasons that lead to the credit risk management problems of the group.The paper analyzes the credit risk management of the network credit platform,and develops a scientific and reasonable credit risk management system through the analysis of the customer risk management of the network credit platform,which also has certain reference value for the customer risk management of other P2 P loan platforms.