本文基于ISO31000风险管理体系的流程标准,从确定环境、风险评价、风险处理、沟通和协商、监督和评审五个流程剖析了我国P2P平台闭环式风险管理流程现状,着重分析了风险规避、风险分散、风险对冲、风险转移、风险补偿等风险处理方案,并提出简化与优化风险管理流程的建议。 Based on the process standard of ISO31000 risk management system, this paper analyzes the current status of the closed-loop risk management process of P2P platform in China from the five processes of environmental determination, risk evaluation, risk management, communication and negotiation, supervision and evaluation, and analyzes the risk aversion and risk diversification , Risk hedging, risk transfer, risk compensation and other risk management solutions, and put forward proposals to simplify and optimize the risk management process.