Research On Cooperation Between Hang Lung Microfinance Company And Hang Lung Online

With the rapidly expanding of the microfinance industry and the internet finance which as the representative of P2 P network lending in the present situation, is the result of China financial deepening reform which help to ease the SMEs financing difficulties and promote the standardization of private finance. However, under the background of macro-economic environment is sharply violate and the critical stage of structural adjustment, the microfinance industry and the P2 P network lending facing the problems such as the standardization of industry management and the development of the bottleneck. Based on the perspective of service object, regulatory policy, market and technology environment, the cooperation between the microfinance industry and P2 P network lending is feasible to provide sustainable development for both sides.With the introduction to the microfinance industry and the internet finance, the paper reviews Cooperation between Microfinance Company and P2 P Network Lending model research with the example of the cooperation between Guangzhou Hang Lung Microfinance Company and Hang Lung online P2 P network lending. At the same time, it is analyzed to identify Hang Lung online plays an important role to protect the interests of investors, to channel the financial resource to serve the real economy and to promote the sustainable development of both partners which is based on the necessity, feasibility and operation mode. In addition, Hang Lung microfinance company and Hang Lung online belonging to the same parent company so that they don’t have disputes arising from the unequal distribution of cooperation profit but potential problems such as the quality of financing projects, capital security, information asymmetry, liquidity risk, moral hazard and Guarantee risk.Finally,the paper puts forward some related suggestions on the potential problems in the course of the operation of Cooperation between Microfinance Company and P2 P Network Lending model such as improving operational transparency and standardizing management to realize sustainable management.