P2P (Peer to Peer) lending platform model originated in Western, which can borrow or lend money among users, and deal reached fast and cost low. In China, for a long period of time, the financing needs of small and micro enterprises in China still cannot be met from the indirect financing channels such as banks, the investors with small amount capital are difficult to "fragmentation" manage money. And different from banks which are based on indirect financing, P2P lending is a direct one; within a few years, Chinese P2P finance shows strong growth potential; however, the high-risk of P2P industries also exposed, not only the quantity of P2P reduced from more than 4,000 to the current 1600, some platforms even run away after absorbed a great deal of money. Under the circumstances of "The New normal" in China's economy and the "Internet +", the successful experience of developed countries in the P2P industry and its risk solutions, combined with the advantages and disadvantages of relatively well-developed P2P companies in China(such as CreditEase, Lufax, Renrendai, etc.), aim at the outstanding high rate of bad debts issues, research the risk of P2P industry currently exists - the risk of illegal fund-raising co-risk, the risk of credit technology, the risk of disorderly competition, the risk of agencies cooperate, and the disposal of non-performing loans recourse risk, professional lenders liquidity risk, cultural conflict risk. Give full role of stabilizing and promoting the insurance in lending in the P2P platform. Risk management and the use of funds from the viewpoint of P2P insurance firms involved have a natural advantage. The insurance company has a wide operating range, large-scale asset rich operating experience, and many other advantages, and a strong risk control. Research applicable credit guarantee insurance, namely platform for pure credit insured loan, in order to achieve financial security purposes to protect investors. Lessons in the micro-credit guarantee insurance, asset management and other aspects of the accumulation of risk management experience, including the establishment of risk control policies, risk audits, investigations, etc., credit risk control system, strict audit risk borrowers and related financial products; at the same time, establish product lifecycle dynamic monitoring and sustained-release mechanism, the platform for all loan programs and financial assets, sustained attention to changes in its credit operations and financing body, to identify problems and quickly take effective control measures. Play risk compensation insurance to protect the interests of lenders; play a supervisory mechanism insurance industry to promote P2P reduce security risks, play a positive externality; insurance professional advantage, boost P2P lending industry to promote the whole process of management.
