Motivation And Strategy Research On Chinese Commercial Bank Developing P2P

The business model of traditional commercial bank is facing enormouschallenges, which come from the new P2P lending model. It mainly reflects in itscore business, such as micro-credit, cash management, asset management and so on.The commercial banks are under great pressure of business model transformation.Therefore, to meet the challenge of Internet finance, the commercial banks shouldtake advantage of its large asset size, market influence and information miningcapabilities and follow the market development tendency to develop P2P lending.Combined with previous studies in the related fields, and based on Internetfinancial theory and sustainable development theory of commercial bank, the thesisconducts empirical study on the feasibility that commercial banks develops P2Plending mode. It builds appropriate measurement model, then figures out the maininfluence factors of the existing P2P platforms and its main operation mode. It alsomakes a suggestion on the intervention in P2P lending mode for commercial banks.Firstly, describe the theory foundation of Chinese commercial bank developingP2P lending. Secondly, from the internal and external causes, analyze the necessityand feasibility of Chinese commercial bank developing P2P lending. Thirdly, basedon the relevant theories of P2P, the thesis finds out the main factors that affect P2Plending model, builds a dynamic panel data model, and analyzes the feasibility ofChinese commercial bank developing P2P lending from the empirical aspect. Lastly,based on the development characters and needs of commercial bank, the thesis gives asuggestion on the Chinese commercial banks developing P2P lending model.Based on the relevant theories of P2P, the thesis adopts the qualitative andquantitative methods to find out the main factors that affect P2P lending model,builds a dynamic panel data model, and analyzes the feasibility of Chinese commercial bank developing P2P lending from the empirical aspect. Therefore, theresearch method is innovative and this thesis will provide a good policy guideline forcommercial bank developing P2P lending mode.