Research on internal risk control system of P2P network lending

摘要

With the emergence of the new regulatory model, various P2P problem platforms emerge in endlessly, and the bankruptcy events continue to break out, causing investors to suffer great losses, also affecting the sound development of the P2P network lending industry. The platform system is taken as an example to analyse the internal control problems existing in the system itself, and based on this, it analyses the risks existing in the P2P industry. It is intended to start with the top-level design of risk management control, combining third-party ratings, guarantee institutions and fund custody, other factors to optimise the internal control risk of the online lending platform, so as to strengthen the platform's own information intermediary function, improve the information disclosure mechanism, and resist the risk defence capability, and look forward to the good development of this emerging industry of internet finance.