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P2P Network Lending: Implementation Mechanism,Operation Mode and Risk Control
Pages: 19-24
Year: Issue:  12
Journal: Xi'an Finance

Keyword:  P2P network lendingP2P network loan platformimplementation mechanismoperation moderisk control;
Abstract: In the past two years, the failure of P2P network loan platform happened successively which has caused trust crisis of investors in P2P network loan platform loan. But under the background that the platform technology has emerged endlessly, platform mode has continuously been updated, it is difficult for regulators to systematically manage the emerging and cross-border business.Based on the contract theory, the paper analyzes the implementation mechanism of P2P network lending transaction process, as well as three kinds of operation patterns of domestic P2P network loan platform and potential risk points, and puts forward the corresponding risk control strategy from the angles of the industry self-discipline and the industry supervision, which provides a certain reference significance for regulatory authorities to make effective regulatory policy aiming at P2P network lending activities.
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