Analysis and Countermeasure Research on Financial Risks of P2P Network Lending Platforms

摘要

Along with the arrival of P2P lending platforms, the financing demand of small-scale lending subject has been satisfied and the prosperous development of medium and small-sized enterprises has also been facilitated. However, the financial strength of P2P borrowers is generally not strong and the platform is confronted with large financial risk. Thus, the economic benefit it brings is insignificant. In this paper, the financial risks of P2P lending platform will be deeply analyzed. Besides, related suggestions for corresponding financial risks will be also proposed. The financial risks of P2P platform including capital fund risk, liquidity risk, asset quality risk and profit risk will be obtained through analysis by combining with the characteristics of financial risk of commercial bank and financial risk of P2P platform itself. Some measures such as extracting enough loan loss provision, strengthening liquidity management, looking for high quality customers, making impairment test for creditor's rights and improving financial risk management system need to be adopted to cope with according to these financial platforms.