Internal risk: the so-called internal risk mainly comes from within the company: the company rules are chaotic; Employee ability; Ability to execute risks; Can't keep up with the market trend in time; Insufficient internal communication and audit. These five disadvantages are almost all platforms at present, and they will exist to a certain extent, mainly because the whole industry lacks enough experience now. However, a good platform will control the company's rules and risk execution ability better, and generally there will be no problems; And some pseudo P2P platforms have almost zero risk control power, not to mention company rules. Therefore, these five points are also important indicators to judge whether a platform is reliable.
External risks: External risks mainly include: economic environment; Credit crisis. The crisis caused by external risks is relatively large;
The crisis caused by the economic environment: First, the laws and regulations are not perfect, which leads to irregular P2P lending. Since banks tightened lending to local government financing projects last year, the financing of these projects began to turn to P2P channels to circumvent this restriction. This loan-restricted model intensifies the risks of the online loan industry;
In addition, some P2P platforms use the Internet for usury financing, and there is serious fraud in P2P lending. In addition, the illegal cost of the platform is low. At present, the money of many running platforms cannot be recovered, and the legal person and supervisor of the platform have not been punished by the law;
It is expected that there will be specific regulatory measures in the near future, which will inevitably lead to a reshuffle of the P2P lending market. The platform should adjust its strategic decisions in time, seize the favorable position of the industry adjustment period, and make the platform develop better;
Risks brought by credit crisis: Imperfect policies also lead to the lack of personal credit information system. The "congenital deficiency" of the credit information system of P2P online lending makes P2P online lending reduce the cost of credit information, and the "lack of supervision after tomorrow" makes P2P online lending expand its business scale, which is easy to form the impulse of prior commitment and direct loan guarantee beyond the intermediary attribute of P2P online lending.
There is a "congenital deficiency" in China's P2P online loan credit information system, which leads to a rather imperfect and opaque personal credit authentication system, including personal credit record, social security number, personal tax payment and bank account number. It is difficult to query and verify the P2P online lending platform, which indirectly increases the cost of credit reporting.