Study On The Offline Stores Lending Business Of Q’s Network Lending

The development patterns of the P2P network lending platform includes two ways. One is pure online mode, the other is online and offline mode. Pure online mode has exposed many drawbacks. For example, high-quality borrowers are less and customers’demand is difficult to accurately identify. Thus, in 2014,many P2P network lending companies began to layout offline stores and optimize sources of funds and asset. They strive to occupy a larger position in the market. The establishment of offline stores is conducive to sink customer channel and close to the customer needs. It is beneficial for the borrower to review and reduce the risk of the borrower. Besides, it is conducive to attracting high-quality investors and guarantee diversification of funding sources.P2P lending network relies on the development of data systems and external regulatory developments. Establishment of offline stores is in order to avoid the imperfect credit system and the risk of supervision system at this stage. It also benefits to lay the foundation for the future to better control the online lending risk. Compared with traditional commercial bank lending approval process, offline store lending approval process has its unique place. It contains both rationality and risks. In order to find out the risks, hazard, and propose solutions, this paper chooses the company Q as a model to study the offline stores lending approval process. The specific solution are as follows:use the internet "big data" to integrate and analyze information; complete the link of field survey; improve offline stores auditors professionalism and prevent their moral hazard; prevent packaging risk lending agency and borrower fraud.