P2P平台融资业务风险控制的探讨

Discussion on Risk Control of P2P Financing

摘要: 随着P2P平台融资业务的快速发展，风险控制成为关键领域。许多学者对P2P平台融资业务开展了有益探索，提出了信用风险、市场风险等要素。在具体实务工作P2P平台也采取了线上认证、线下考察等风险控制手段。P2P平台融资业务风险控制需要国家建立信用评级体系、健全监管制度，同时需要P2P平台加强贷前审核，利用网络大数据分析降低融资业务风险。

Abstract: With the rapid development of the P2P financing, its risk control becomes the key area. Many scholars have carried out exploration into the risks of the P2P financing, including the credit risk, market risk and so on. In practice, the P2P has taken means to control risks such as the on-line certification and off-line investigation. Government shall establish the credit rating system and improve the supervisory system to control risks of P2P financing and the P2P shall reduce the fi-nancing risks through strengthening the pre-lending review and analyzing the network mass data.