Research on Credit Risk of P2P Network Lending Platform
Abstract: Through making an structural analysis on credit risk of P2P network lending platform, this article discussed the credit risks among different related subjects of the internal platform, and then ana-lyzed the credit risk and its causes of the domestic P2P platform combined with the development of P2P network lending platform in China. So we proposed that regulators should set the access threshold, strengthen the process of supervision, establish a credit rating of P2P industry standards, and implement the fund trusteeship system, etc. In addition, the platform should strengthen self-discipline, execute the credit checks of the borrower's strictly, and reinforce the risk management. Besides, the platform should strengthen the cooperation with the other platforms, and facilitate the information sharing.
文章引用: 谢朝阳 , 王 娇 (2015) P2P网络借贷平台信用风险研究。 金融， 5， 1-5. doi: 10.12677/FIN.2015.51001
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