Problem And Solution Research Of P2P Lending

In2005,a new loan model call P2P lending was created in UK.This kind of loan amalgamate the convenience of Internet and private lending together.After its appearance,P2P lending became a fashion model of loan. PaiPaiDai is the first P2P lending company in China,it appeared in2007.After that, the number of P2P platforms is increasing quickly,and filled the blank of petty loan in China.This new kind of loan brings prosperity and vitality for our lending market and great potential risks because its lack of supervision and nonstandard internal management.This thesis takes credit system theory,functional financial theory as the theoretical basis.Introduce through the history and current status of domestic P2P lending,this thesis compares the operation mode of the mature foreign P2P lending platform and P2P lending platform in China, analyses the risks in regulatory status of P2P lending,then proposes suggestions to improve the regulatory and legal system for this new kind of lending,and makes it develop healthy and orderly.The thesis is composed of those five parts:The first part is the introduction of the paper,including research significance, research contents and methods,relevant theoretical basis,innovation and the insufficiency of the paper. The second part of the paper introduces three different modes and their typical companies (the non-profit type, compound intermediary type and pure intermediary type of P2P lending), analyses the operations of them,including company profile, workflow,the way of charging,the way of risk control,relevant data,operational characteristics,and so on.The third part of the paper introduces the origins and development of P2P, and investigated the status of domestic P2P,then analyses the development trend of P2P.Fourthly,analyses and organize the regulatory status of P2P lending,analyses the risk of operation process,such as fake information, illegal acts, credit problems,and prepare for the next chapter.The last part of the thesis proposed the way of controlling P2P risks,such as strengthen information announce, improve the legal system, improve personal credit information system,and so on.