The Research Of Chinese P2P Lending Status And Standardization Development

P2P network lending, as Internet banking in a relatively late start of new financial,is oriented with a strong willingness to obtain funds, it has long been excluded traditional financial institutions can not obtain a credit service to meet the funding needs of vulnerable groups financial.Its operation has two main goals:First, to meet the financial needs of the target customers, and second, to achieve sustained economic development lending P2P networK.Since P2P network lending target customers and business property and traditional financial services are very different, so for control of specialized scientific risk management is particularly important.Firstly, understanding the analysis of P2P network types and causes of lending risks, the country and the Anglo-American countries selected the P2P industry a standardized operation targeted analysis and comparisoncombined with actual P2P platform cases to deepen instructions,and the above comparison, making a P2P network of domestic and foreign borrowing Index System gap analysis below.Key proposed that the present risk control is to improve their access to information and policy monitoring capability. Specific approach can be summarized as P2P network lending platform interior design and innovative government management mechanism innovation as risk control system to create a good environment.In the final chapter, with the objective of our special situation, and actively learn from the development experience of outstanding foreign,well aware that in the Anglo-American bond securitization industry developed P2P usual operating practices of effective measures to promote the further development of P2P industry as a whole,and also from the P2P platform itself and government perspectives on how to better promote the future of P2P network lending industry standardization of development put forward a number of policy recommendations.