Research On The Development Of P2P Network Loan Platform

P2Pis Peer to Peer Loan, it means person to person, a kind of financial models relying on a network. Both lenders and borrowers to loans through the network intermediary platform, and the platform charges some fee.P2P network lending platform develops very rapidly in recent years, and it has became an important force of internet banking. And is included in Inclusive Finance. As a powerful complement to traditional finance,it is in favor of small and medium enterprises and individuals easier access to financial services.This paper describes the research significance and background、practice、related theories and literatures, analysis the advantage of online financial compared with traditional financial. Looks for the reasons for the rapid growth of net loan platform. P2P network lending platform is the embodiment of the value concept of rural banks, should belongs to Inclusive Finance, we need to know its development status, analysis of its operation mode is reasonable or not. China’s existing P2P net lending platform operation mode can be divided into fore kinds. Unsecured online model is represented by Pat loan, to everyone enrichment as the representative of the online mortgage/ guarantee, off line mode, which is represented by Yixin, you li Wang as the representative of the online and offline mode. P2P since the founding in our country, there has been a lack of industry regulation, and there is no clear legal sense of orientation. Although not the financial industry, but engaged in the capital intermediary business. Entry threshold is very low, registration can be established through the business sector. The platform appeared a lot of problems uneven, some good and some bad, On foot, fraud, platform manager lost contact, the capital chain rupture, the platform shows the suspension of operations, to mention the difficulties, the public security case, etc.. In this paper, through the analysis of basic data platform, the case, the reasons put forward platform issues frequent, platform management problems, the professional level is not high, the blind operation, the low cost of operating, resulting in insufficient funds, the ability to control the wind, the blind expansion of the loan amount, the time mismatch, Platform itself illegal reasons, such as pool of funds, self financing, Pang’s fraud and fraud to find out the risk of P2P in our country, and put forward the suggestion of solving those problems above.The innovation of this article is to put forward the suggestions of establish a new model of P2P loan platform. Establish a business model based on the large stores, online and offline. The key of providing better service to the small and micro enterprises and individuals is boosting economic development and doing risk control. We should rely on the real economy, in order to have an impact on the country’s large stores as a platform, the introduction of professional network technology team to establish P2P network lending platform. T his is the innovation of this article.