P2P Network Company Loan Payment With A Third Party Platform For Cooperation Pattern Research

With the development of Internet technology, P2 P lending network online develops rapidly in our country. Because of the circumstance of no barriers to entry, no industry standards and no agency regulation supervision, the P2 P lending network online companies also have different degree,some have good qualities while others not. According to the data of the home of P2 P lending network online, in the year of 2013,P2 P lending network online company in our country frequently appeared the running away without a trace, the collapse and the melting phenomenon, what’s more, in order to reduce the management risk, credit risk, financial risk and cost P2 P lending netwok online constantly seek for cooperation with the third-party payment platform.The purpose of this thesis is to research the mode of cooperation betwwen P2 P lending network online company and the third-party payment platform,through reading and query the literature, making the telephone interviews and understanding the operation of the P2 P lending network online industry in reality. Firstly,I understanded and analysised detailly the origin of the P2 P lending network online company and the third-party payment platform as well as the current development situation, what’s more,I summarized different patterns of cooperation between P2 P lending network online company and the third-party payment platform. I analysis the existing problem of the cooperation with P2 P lending network online company and the third-party payment platform through studying of the different patterns.The main problems exist in the cooperation between P2 P lending network online companies and the third-party payment platform are consciousness, regulation unclearly, the problem of credition and the level of the business cooperation shallowly. Through the investigation and study of the existing problem of the cooperation with P2 P lending network online company and the third-party payment platform that following countermeasures are put forward : first and foremost, P2 P lending network online company and the third-party payment platform should change management concept and attach great importance on the height of strategy;secondly, in one hand the government should launch the regulations and regulatory policy about the P2 P lending network online industry and in the other hand the P2 P lending network online industry can consult foreign loan industry as well as some relevant experience in similar industry; thirdly, we must strengthen construction of credit system and credit rating mechanism; fourthly, P2 P lending network online company and the third-party payment platform should strengthen innovation business cooperation deeply.