| The first P2P online lending platform is Zopa， which was established in2005,this model was touted in the world since then. With the development of the internetfinance in our country, As the first P2P online lending platform in China，PPDaiappeared in2007. This paper will analyze the development of P2P online lending platform andmake recommendations in the case of PPdai and Hongling capital. According to analyzing, P2Ponline lending develops rapidly in our country. And there are two main operating modes, whichare the online and unsecured Pattern and The combination online and offline andguarantee the principal Pattern. The former operates with a small cost and low risk,but little attraction to customers. The number of platforms that remains this model israre now in our country. The latter attracts customers very well but with high cost andrisk. It’s become the Mainstream model. To guarantee the stable operation of P2Ponline lending industry, both P2P online lending company and government are keyroles. |
PDF Full Text Request