The Development Of China's P2P Lending Platform And Its Reference To Vietnam

P2P has become an important part of the internet finance.P2 P network lending platforms attracts a lot of investors thanks to its handiness,quick and high profits.Besides,the norms to join the transaction on the P2 P lending market are low,so both creditors and borrowers can join to reduce expenses for transaction and negotiation.The P2 P network lending platforms thus can develop more and more.When joining the WTO in 2000,Vietnamese Government signed the commitment to widen the country's financial market in 2018.Thus next year it is possible that P2 P network lending platforms companies will join Vi?t Nam market.Studying the P2 P network lending platforms' developing characteristics in China and the Chinese Government's management policies for the sector,connecting with Vi?t Nam economic characteristics,I analyse the possible developing foundation for the P2 P network lending platforms in Vi?t Nam's market.Based on China's experiences,and data analysis,my thesis shows the P2 P developing model in Vi?t Nam's market and proposes measures to manage P2 P in Vi?t Nam.Firstly,my thesis analyses P2 P network lending platforms developing characteristics in China,the US and the Europe.The analysis shows that P2 P has developed well in the US,the UK and China.Secondly,the thesis analyses Vi?t Nam's economic characteristics,in which focus on contradiction existing in the financial market.It also analyses Vi?t Nam's information infrastructure and the Internet popularisation in provinces and cities.Thirdly,via analysing the financial market and the system of laws on financial management in Vi?t Nam,the thesis proposes the developing plan for P2 P network lending platforms in Vi?t Nam.The thesis believes that the trade bank system plays the main role in Vi?t Nam's financial system,so it should self-change,apply technology,and act as vanguards in the P2 P network lending platforms.Based on analysing financial models,advantages and disadvantages of the trade bank system while joining P2 P,the thesis finds out that trade banks predominate and have potentiality.Thus P2 P network lending platforms expanding in Vi?t Nam's market is completely possible.Fourthly,the thesis learns from experiences from management policies for P2 P in China,the US and the Europe.It pays much attention to the management and regulations related to P2 P of the China Government.It uses theory model to analyse the role and the benefit of P2 P companies,managers and the guarantees.Connecting with Vi?t Nam's economic condition,the thesis gives recommendations for Vi?t Nam's management organisations to effectively control P2 P,such as encouraging policies and regulations helping P2 P being stable and companies volunteer to obey the discipline.Based on real situation,the managers can conduct specific management polices.