A Study on Risk Prevention for Online P2P Lending Platforms in China

The present study was designed to study the risks of online P2P lending platforms. The aim of this study was to analysis the problem of online P2P lending platforms in theory, and then to propose some suggestion for the development of lending platforms. We provided a new perspective and context to study the risks of P2P lending platforms, based on different types of industries, i.e. private operation sector, bank sector, listed company sector, state-owned asset sector, venture capital sector. We also described the conceptual background and development of online P2P lending platforms in China. Then, the risks are listed from two sides in the industry of online P2P lending. At last, targeted suggestions are proposed for the development of online P2P lending. To eliminate these obstacles of the healthy and sustainable development of online P2P lending, we find that, it can be set out from two aspects of internal and external.