我国P2P网络借贷平台内部控制评价——以人人贷平台为例

Internal Controls Evaluation of P2P Lending Platform in China—A Case Study of the Wealth Evolution

近年来,P2P网络借贷作为互联网金融的一种重要形式,发展势头迅猛,商业模式上有很多创新,但由于P2P网络借贷技术上的特殊性,并且缺乏规范和监管,其中蕴含着巨大的风险。文章以知名P2P网络借贷平台人人贷为例,运用层次分析法和模糊综合评价法分析找出其内部控制方面潜在的问题,进而提出促进我国P2P网络借贷平台风险管理的对策建议:设立风险控制管理部门;加强多个部门间协作和信息沟通;制定有效的风险应急预案。

In recent years, the P2P lending as an important form of Internet financial is booming. There are a lot of business model innovations. But due to the particularity of P2P lending technologies, and the lack of criterion and supervision, it contains a huge risk. This paper takes well-known P2P networks based on all credit lending platform as an example, using the analytic hierarchy process and fuzzy comprehensive evaluation method to find out the potential problems in the internal control, puts forward countermeasures and suggestions to promote our country＇s platform for P2P lending risk management： to set up risk control management department; strengthen cooperation and information communication between multiple departments; make effective risk contingency plans.