Research Of Peer To Peer Network Financing Guarantee Problem In China

Financing platform with the help of P2P network does not provide guarantee mortgage financing for personal financier now, the individual issuer and micro, small and medium enterprises have more convenient access to loans. Pratt along with our country the rapid development of the financial, P2P network financing service object to individual investors as well as micro, small and medium enterprises, the emergence of P2P network financing guarantee financing Internet provides an umbrella. Reasonable financing guarantee of the P2P can make up the gap, reduce the risk of investment, better service to the issuer. This article of our country for the development of P2P network hope to study a reasonable pattern of network financing guarantee.This research first start from the research purpose, significance and of paper, clear writing background, the overview of domestic and foreign research results and related documents. The second chapter for the development of P2P network financing platform in China, from the initial bud to rapid growth to earlier outbreak period, the concentration of risk financing platform for the development of P2P network in our country now entered the adjustment period. With the development of big data, its development speed, the corresponding risk began. The third chapter from the financing guarantee the emergence of P2P network in China, in the process of development gradually formed its own characteristics, involves the main body of the range. P2P network financing model depends on the development of big data, its credit rating for digital gradually; P2P network financing income is convenient, in the see benefits at the same time, our country’s financing risk of P2P network concentrated outbreak. Mainly introduces P2P network financing platform of several security models are respectively:risk security model, the network joint guarantee and guarantee companies guarantee mode, the insurance company guarantee mode, the bank guarantee mode, etc. Combining with the related cases, for their works and their respective characteristics were analyzed. The fourth chapter, through the analysis of the ground above, summed up the current financing guarantee "P2P network model" problems in the operation. Problems are as follows:normative legal system lacking, laws and regulations of the lag; Frequent platform mode own credit risk, "to guarantee" calls for increasingly acute, platform of "risk reserve account" information opaque; The network of group have limitations; The escrow company guarantee ability is blocked; Insurance company’s ability is limited; The guarantee of the bank limited. The fifth chapter, in order to ensure the healthy development of our country’s financing platform of P2P network, all of the advantages of P2P network financing guarantee mode proposed own view, under the joint efforts of various building multi-level financing guarantee new P2P network environment.