P2P 风险控制的审查报告怎么写

P2P 作为一种新兴的金融模式，在为投资者提供更多选择的同时，也伴随着一定的风险。因此，对于 P2P 平台的风险控制审查报告显得尤为重要。

一份完整的 P2P 风险控制审查报告通常包括以下几个方面：

一、平台背景和基本信息

首先，需要对 P2P 平台的背景进行调查，包括其成立时间、运营团队、所属公司等。同时，了解平台的基本业务模式，如借贷类型（信用贷、抵押贷等）、借款期限和利率范围等。

二、风险控制流程

这是审查报告的核心部分。要详细阐述平台的贷前、贷中和贷后风控措施。

贷前，平台应核查央行征信，出具数据风险报告，并确认是否拒绝。同时，人工核查身份信息、社保记录、法院执行记录、资产证明、银行流水等。对于额度较高的小企业客户，还需要人工到企业现场勘查。

贷中，正统小额信贷公司一般是线下当面签约，需要借款人携带身份证原件、资质证明原件到现场，回答一些现场审核的问题，另外在现场当面核对网上银行流水或者电话银行流水。

贷后，非逾期时，还款前 1-2 日进行短信、电话提醒。逾期时，转入到催收环节，一般 3 个月之内的逾期都自己催，3 个月之后就外包给催收公司。

三、风险管理机制

了解平台是否有担保机制、大数据构建风控模型、风险准备金模式、分散模式等。对于有第三方托管账户的平台，要明确其启动风险准备金的条件和流程。

四、抵押物评估

如果平台涉及抵押业务，如房产抵押和车辆抵押，需要对抵押物的评估方法和折价情况进行审查。

五、法律合规性

审查平台的运营是否符合相关法律法规，是否存在潜在的法律风险。

六、案例分析

通过实际案例，展示平台的风险控制效果，如成功收回贷款的案例和出现逾期或坏账的处理情况。

七、结论和建议

综合以上各方面的审查结果，给出对平台风险控制水平的评价，并提出相应的改进建议。

In English:

How to Write a Review Report on P2P Risk Control

As an emerging financial model, P2P provides more choices for investors while also accompanied by certain risks. Therefore, the review report on risk control of P2P platforms is particularly important.

A complete review report on P2P risk control usually includes the following aspects:

First, Platform Background and Basic Information

Firstly, it is necessary to investigate the background of the P2P platform, including its establishment time, operation team, affiliated company, etc. At the same time, understand the basic business model of the platform, such as loan types (credit loans, mortgage loans, etc.), loan terms and interest rate ranges.

Second, Risk Control Process

This is the core part of the review report. The pre-loan, during-loan and post-loan risk control measures of the platform should be elaborated in detail.

Before the loan, the platform should check the central bank's credit information, issue a data risk report, and confirm whether to reject. At the same time, manually check identity information, social security records, court execution records, asset certificates, bank statements, etc. For small enterprise customers with higher amounts, it is also necessary to conduct on-site investigations at the enterprise.

During the loan,正统 small credit companies usually sign contracts offline face-to-face. Borrowers are required to bring the original ID card and qualification certificate to the site, answer some on-site review questions, and also check the online bank statement or telephone bank statement on the spot.

After the loan, when there is no overdue, SMS and phone reminders are sent 1-2 days before repayment. When it is overdue, it is transferred to the collection link. Generally, overdue within 3 months is collected by itself, and after 3 months, it is outsourced to a collection company.

Third, Risk Management Mechanism

Understand whether the platform has guarantee mechanisms, big data to build risk control models, risk reserve fund models, dispersion models, etc. For platforms with third-party escrow accounts, it is necessary to clarify the conditions and processes for activating the risk reserve fund.

Fourth, Evaluation of Collateral

If the platform involves mortgage business, such as real estate mortgage and vehicle mortgage, it is necessary to review the evaluation methods and discount situations of the collateral.

Fifth, Legal Compliance

Review whether the operation of the platform complies with relevant laws and regulations and whether there are potential legal risks.

Sixth, Case Analysis

Through actual cases, show the risk control effect of the platform, such as successful loan recovery cases and handling of overdue or bad debts.

Seventh, Conclusion and Suggestions

Based on the review results of the above aspects, give an evaluation of the platform's risk control level and put forward corresponding improvement suggestions.