The Research Of The Development Of Peer To Peer Lending And Support To Real Economy

In recent years, the rapid development of P2 P network lending institutions, increasing the number of institutions, the market scale is constantly expanding, continuously expand thebusiness line, expanding service group, become the important emerging financial industry.Compared with the traditional finance, P2 P net credit platform has many advantages, which can alleviate the information asymmetry, reduce transaction costs, improve transaction efficiency, improve the operation ability, capital and rely on the platform operation, can not occupy the physical network background, covering more extensive customer group, to provide all-weather, zero distance financial services to consumers. As an important supplement to the traditional financial services, the P2 P platform has become an important way to improve thesmall micro enterprise financing, financing expensive, in the service of small micro finance,service entity economy is playing a more important role. This paper takes P2 P net credit platform as the object of study, has carried on the thorough research and analysis. The full text is divided into four parts, the first part of the definition of P2 P, the net credit platformadvantage, current situation and development of business model are summarized; and the related research of the second part theory based on P2 P net credit platform makes a literaturereview; the third part of the study of P2 P net credit platform for small micro enterprise financing support, first of all introduces the comparative advantages of service, and then in the form of case studies and their effects on small micro enterprise financing help; the fourth part puts forward the development trend of P2 P industry and related policy recommendations.