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本文结合盈盈公司的管理运营、金融产品和模式来分析公司在运作过程中可能存在的风险以及对借款人和出借人双方存在的风险进行分析,对如何规范和优化P2P信贷业务适当地提出增强行业规范、提高工作人员专业素质、完善个人信用体系、加强网络安全管理等建议。
In this paper, Yingying company’s management operations, financial products and models to analyze the company’s possible risks in the operation process as well as the borrower and lender both the risk analysis, how to regulate and optimize the P2P credit business put forward to enhance the industry Standardize and improve the professional quality of staff, improve the personal credit system, strengthen network security management and other recommendations.