A Study On The Operation Of Regional Small And Medium - Sized Civilian Loan Platform In China

The P2 P borrows currently at our country be in a high-speed development period, is a P2 P lending profession the local area of one of the members small tiny folks borrow platform also in the quick development, but the whole P2 P profession is the Internet finance of stirring concern of a subdivide profession, its problems, such as theory, technique and policy...etc. are still not perfect, from 2013 several P2 Ps borrow funds platform to continue take place malignant affairs, the the profession also expose gradually in the problem in the localization progress and developed mode to also deviate an establishment of early orbit.Among them, the government approves to establish of local area the small tiny folks borrow platform, although is the P2 P profession a beneficial quest is during the localization, equally face to develop mode similar, creative not enough, carry a camp risky problem.How break the bottleneck of development, guide huge civil capital sunlight to turn, regular turn, really Be served to real economy, find out a practical viable luck camp mode to become the problem that the Ji needs solution.The this text usage theory analysis combines together with case research of method, quote from some public case informations, also knot commercial bank in the oneself city of cooperator, civil margin register service company to the factual analysis of from the industry career, try hard for to a little bit accurately carry on an analysis to the problem and carry on announcing to public to the reason.Pass and borrow the analysis of platform present condition to the our country P2 P, well announce to public the risk factor that exists under the existing financial system, and pass these problems to explore the reason that conceals the luck camps mode absurdity of the at the back with probe.At the same time usage more analytical method, a little bit Central America folks hurl margin platform at social reputation system construction, luck camp existence of difference, and lead the advantage of American community bank into to get to the measure of solving the our country folks hurl margin platform existing problem in.Changed previous scholar to be just the system that borrows platform to strengthen to take charge of to carry on to the our country to obtain, didn’t put forward some practical viable ways from actual experience.This text combines the realistic state of the nation of our country and put forward small tiny folks of local area hurl the positive development direction of the margin platform, then thorough community, establishment community financial service center, the regression risk management is the most practical effective strategy-prevention strategy, put forward to adopt the way that the community breeze controls come excellent turn to carry a camp of mode.At present, proceed from the consideration that takes charge of system, carries camp cost, business to consider...etc. because of the local bank, can not carry out the community bank of real meaning, experimental unit majority having been already expanded become to pull to depositly save and have never truely brought community residents finance service of the convenience turn.But local area the small tiny folks borrow platform because it the property scale is small and produce power structure clear in meaning, management the mechanism is vivid, the market position accurate, in the collections and the processing not- public "soft information" and processing information dissymmetry etc. have comparison advantage.These advantages are agreeing with the principle of foreign community bank, the luck camp of the foreign community bank maturity mode also matches an our country currently the need of financial reform, draw lessons from for the healthy development of profession providing beneficially.Will make the breeze control measure to plant a root by the luck camp mode of community service center in grass-roots, the regression breeze controls of the essence take prevention as a lord, and collect through the means that the community breeze controls first-hand the true enquiry information inside the place district, build up the community enquiry information database, after treating to carry camp mode to gradually form scale, the enquiry’s information database will bring into enquiry information system in nation, can also for our country gain confidence a system establishment to contribute strength.