Study On The Development Model Of Peer-to-Peer Lending

ABSTRACT:Peer-to-Peer lending is the third network platform based on internet, which linked the personal debtor and creditor to realize private lending. The effect of resolving the problem of the financing of the micro-enterprise and personal business has appeared gradually obvious. This innovation model of private lending has originated in the UK since2005. The inclusive financial system philosophy which it advovate is greeted with a number of international organizations including the United Nations and developing countries. The development tendency of P2P lending is swift and violent.This paper selects the P2P lending platform as research object, combining the actual conditions of our country. It combines development innovation with development bottleneck breakthrough to solve the four major problems of P2P lending and construct leading innovation development model of P2P lending industry. It makes analysis and classification of the P2P lending, further summarizes four key problems of P2P lending in China. On the basis of revealing and analysis in "four important problems" of P2P lending, the paper selects the key problem of "four important problems"-"guarantee problem" to solve the system problems of P2P lending to construct the basic framework of innovation mode based on financing guarantee in P2P lending. Then, the paper uses "guarantee institution" to check and balance "function offside " and "third party supervision of capital" of P2P lending in order to achieve more comprehensive protection to the lender of P2P lending. At the same time, the paper also puts forward the views that government can spontaneously extend supervision system of financing guarantee institutions to P2P lending.The paper makes in-depth analysis of the operation model of P2P lending from point to surface, we hope this paper can play a reference role in the operation of P2P lending industry in theory and practice. Also it can promote solving problems of micro-businesses and personal financing lending in our country, and promote the development of micro-finance in China.