Research On The Feasibility And Risk Of Small And Medium Enterprises' Investment In P2P Network

Peer-to-peer lending in recent years, China’s fastest-growing Internet industry financial innovation, based on both the supply and demand for the Internet information channel for funds to provide intermediary services financial services industry. The current network of P2 P lending platform services mainly consist of two groups, namely, the number of short-term financing needs of small and micro enterprise financing and the general population has a lot of idle funds in the hands of individual investors groups. But the large number of small and micro enterprises, the huge size of the total, are engaged in the industry covering all areas of the national economy. In these small and micro enterprises need to rely on short-term funds continue to add a way to grow the small and micro enterprises only accounted for all small and micro businesses in 30% to 40%. There are many small businesses to take a prudent development strategy, most of the use of its own funds, and of which a large part of their own but also retained some idle funds. But this part of the funds if companies can not effectively use, are vulnerable to the current lower interest rates, the threat of devaluation and other risks. Therefore, the majority of small and micro enterprises need to find a way to make its own idle funds to increase the value of the channel.This article is based on this consideration, the majority of small and micro businesses hoping this demand and the current P2 P network lending this new investment combined. Therefore, Based on available information imputation finishing first summarize the current status of small micro-enterprise lending and P2 P network development and small and micro enterprises to participate in P2 P lending network, and then analyzes the investors small micro-enterprise lending as P2 P networks necessity and feasibility of identity investment. In order to avoid the current problems of P2 P network lending investment activities that may be encountered, to help small and micro enterprises risk-averse investors, the author designed a set of pre-investment analysis, mid-platform selection and investment risk aversion, the latter was evaluated as one of the small micro-enterprise lending P2 P network investment model, to the adoption of this model can participate in the P2 P network lending to small and micro enterprises investing activities play a guiding role.