Research on Credit Risk Agglomeration and Control about P2P Network Lending Platform

摘要

P2P network loan industry which are rapid development has solved the problem that our country could not meet the financing needs of small and micro enterprises and personal financial needs. The explosive growth of the network-lending industry faced of significant credit risk of agglomeration and diffusion. In this paper, we analyzed the situation of credit risk accumulation and diffusion of P2P network lending platform under the current conditions, we put forward a clear access threshold of P2P lending platform, and established and improved the industry credit system, and built multi-level P2P credit supervision system Suggestions.