Author(s)

Xiong Cao

Corresponding Author

Xiong Cao

ABSTRACT

With the development of information technology, the popularity of the Internet, the financial industry continues to develop, and new models and formats continue to emerge. Finance and the Internet continue to merge, the emergence of a new model of Internet finance. As an Internet financial model, P2P network lending provides convenience for solving the problems of SME financing and personal financing. However, while P2P network lending has developed rapidly, many risk issues have emerged, such as legal risks, operational risks, credit risks, liquidity risks, and other risks. It is necessary to seek a reasonable path for the risks that exist and to do a good job in risk management and control. This paper uses AHP to construct the AHP model of the P2P network lending platform. Finally, the weight of the expert group and the investment group is integrated. The results show that the credit risk is the first in the P2P network lending platform, and then the liquidity risk, operational risk, Legal Risk. Targeting different risks, we will strengthen risk management and control, improve relevant laws and regulations, and effectively reduce the risk of P2P network lending platforms.

KEYWORDS

Internet finance, P2P network lending platform, risk management and control