Risk Identification and Monitoring Model of Online P2P Lending

DOI

10.2991/iceemr-18.2018.82How to use a DOI?

Keywords

P2P net loan, P2P lending site, lending regulation, Risk identification, risk evaluation, big data

Abstract

The fast-growing of P2P network lending has also brought many threats to the users. Risk identification plays an important role in the supervision of P2P net loan. So the effective risk identification of P2P network lending is very important to the network financial management. The risk assessment model can help to make management strategy, identify the crime clues, and prevent some crime. Through the research and analysis of the main roles of P2P net loan, we considered that the risk is from borrowers, lenders, Online P2P lending platform and related regulatory agencies. We analyzed the risk characteristics of various entities in P2P operation, and set up the framework of risk identification model from two aspects of the borrowers and debits in P2P, regulators and P2P platform, which are conducive to the operation and supervision of P2P net loan.

Copyright

© 2018, the Authors. Published by Atlantis Press.

Open Access

This is an open access article distributed under the CC BY-NC license (http://creativecommons.org/licenses/by-nc/4.0/).

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TY  - CONF
AU  - Jianying Xiong
PY  - 2018/06
DA  - 2018/06
TI  - Risk Identification and Monitoring Model of Online P2P Lending
BT  - Proceedings of the 2018 2nd International Conference on Education, Economics and Management Research (ICEEMR 2018)
PB  - Atlantis Press
SP  - 360
EP  - 363
SN  - 2352-5398
UR  - https://doi.org/10.2991/iceemr-18.2018.82
DO  - 10.2991/iceemr-18.2018.82
ID  - Xiong2018/06
ER  -