The Research Of Cooperation Between Insurance And Online Peer To Peer Lending In China Which Based On Credit Information Database

Since the rapid development of our country’ Internet banking in recent years,the Online Peer to Peer Lending si also spring up rapidly,at the same time,the Online Peer to Peer Lending obtained booming development,but behind the growth spurt,risk issues of Online Peer to Peer Lending become increasingly prominent.In order to seek to control their own risk,and enhance the credibility of its own platform,and improve the competitiveness of the industry loan progtam,the Online Peer to Peer Lending is looking to insurance for coorperation.But due to lack of lending platform data and the problem which the risk of lending program is difficult to control,the process of cooperation between insurance and Online Peer to Peer Lending is relatively slow in China,the direct cause is that cooperation which relate to credit guarantee insurance faces many obstacles,the credit guarantee insurance is related to the core business of Online Peer to Peer Lending,whcih means that cooperation is lack of a suitable entry point.This article will focus on this direction to make a preliminary research,and make a idea that cooperation between insurance and Online Peer to Peer Lending in China should base on credit information database,and propsed conceptual framework for specific cooperation model,then look to the development of model in the future,and this paper will present some suggestions for promoting cooperation between insurance and Online Peer to Peer Lending in China.This article consists of six chapters:Chapter 1 is the forward discourse,whcih primarily discusses the research background and significance of the topic,the domestic literature reviews,and research ideas,the method of research,as well as the innovation and insufficiency;Chapter 2 is the analysis of the current situation of cooperation between insurance and Online Peer to Peer Lending in China,whcih discusses the current situation of Online Peer to Peer Lending industry and cooperation with insurance,analysis that reality cooperation motivation and modles;Chapter 3 is the analysis of the impediments about cooperation between insurance and Online Peer to Peer Lending in China,which discusses the lack of empirical data,the income and security issues of Online Peer to Peer Lending,the lack of foreign experience;Chapter 4 is that cooperation between insurance and Online Peer to Peer Lending in China based on the introduction of credit database,which analysis relationship between credit database and insurance and Online Peer to Peer Lending,then discusses the reality motivation which introduces the credit datanase;Chapter 5 is the analysis of cooperative mode based on credit database,which discusses the mode of vision and operation,as well as mode of developmental direction in the future;Chapte 6 is some suggestions for promoting cooperation between insurance and Online Peer to Peer Lending in China, which presents suggestions from three aspects,that is regulatory of Online Peer to Peer Lending industry,the construction of financial credit system in China,the problems whcih they might encounter in cooperation.