| ACKNOWLEDGEMENTS | 第3-4页 |
| ABSTRACT | 第4页 |
| 摘要 | 第5-6页 |
| LIST OF ABBREVIATIONS | 第6-13页 |
| Chapter Ⅰ Introduction | 第13-18页 |
| 1.1 Purpose and significance of the research | 第13-15页 |
| 1.1.1 Research background | 第13-15页 |
| 1.1.2 Purpose and significance of the research | 第15页 |
| 1.2 Research content, ideas and methods | 第15-18页 |
| 1.2.1 Research content | 第15-16页 |
| 1.2.2 Research ideas | 第16-17页 |
| 1.2.3 Research methods | 第17页 |
| 1.2.4 Innovation and Insufficiency | 第17-18页 |
| Chapter Ⅱ Literature review | 第18-35页 |
| 2.1 Relevant Research of P2P Online Lending Modes and Function | 第18-21页 |
| 2.1.1 Definition of P2P online lending | 第18-19页 |
| 2.1.2 Modes of P2P online lending | 第19-21页 |
| 2.2 Relevant Research of Risk Control of P2P Online Lending | 第21-27页 |
| 2.2.1 Definition of Risk Control | 第21-23页 |
| 2.2.2 Overview of P2P Risk Control System | 第23-27页 |
| 2.3 Main Domestic Supervision Policies | 第27-32页 |
| 2.4 Domestic and Foreign Scholars Literature Review | 第32-33页 |
| 2.5 Conclusion | 第33-35页 |
| Chapter Ⅲ Case Description | 第35-37页 |
| 3.1 Introduction to ZP Company | 第35页 |
| 3.2 Case Description | 第35-36页 |
| 3.3 Proposed issue | 第36-37页 |
| Chapter Ⅳ Case Analysis | 第37-58页 |
| 4.1 ZP's Risk Control System Analysis | 第37-38页 |
| 4.2 Pre-lending Risk Control of ZP Company | 第38-50页 |
| 4.2.1 Regulatory Risk Control | 第39-41页 |
| (1) ICP License | 第39页 |
| (2) Safety Level Protection Level 3 Certification | 第39页 |
| (3) License in All Financial Areas | 第39-40页 |
| (4) Registration | 第40-41页 |
| 4.2.2 ZP Credit Review System | 第41-44页 |
| (1) Large Data Computing and Blockchain Storage | 第41-42页 |
| (2) Intelligent Security Protection System of ZP Credit Review | 第42-43页 |
| (3) Application System for Customers of ZP Credit Review | 第43-44页 |
| 4.2.3 High Quality Assets Collateral | 第44-48页 |
| (1) Vehicle Pledge | 第44-46页 |
| (2) Real Estate Mortgage | 第46-48页 |
| 4.2.4 Professional Credit Information Review | 第48-50页 |
| 4.3 In-lending Risk Control of ZP Company | 第50-55页 |
| 4.3.1 Small Amount, Decentralized Loan | 第50-52页 |
| 4.3.2 Deposition and Management of Capital in Banks | 第52-53页 |
| 4.3.3 Information Revelation System | 第53-55页 |
| 4.4 Post-lending Risk Control of ZP Company | 第55-58页 |
| 4.4.1 Post-lending Information Management | 第55页 |
| 4.4.2 Quality Assurance Fund | 第55-56页 |
| 4.4.3 Procession of Collateral | 第56-58页 |
| Chapter Ⅴ Research Conclusions and Recommendations | 第58-69页 |
| 5.1 Conclusion of Risk Control Analysis of ZP Company | 第58-60页 |
| 5.1.1 Analytical conclusion | 第58-60页 |
| 5.1.2 Main Problems in ZP's Risk Control System | 第60页 |
| (1) ZP Company has Guarantee Advance Risk | 第60页 |
| (2) ZP Corporation has liquidity risk | 第60页 |
| 5.2 ZP Company's Effective Suggestions to Improve Risk Control | 第60-65页 |
| 5.2.1 Insurance company underwriting | 第60-62页 |
| 5.2.2 Cooperation with large-scale companies | 第62-63页 |
| 5.2.3 Seek opportunities to go public | 第63-65页 |
| 5.3 The main inspiration and prospects of the research | 第65-69页 |
| 5.3.1 The main implications of the research | 第65页 |
| 5.3.2 Prospect | 第65-69页 |
| REFERENCE | 第69-70页 |
