Case Study On P2P Operation Model Of USA Prosper Company

In recent years, financial market set off a wave of innovation and has made great progress especially in the Internet financial aspects. Whether personal or business have more investment and financing way, to a certain extent solved in the process of the development of China’s current rural and small and medium-sized enterprise financing difficult problem. Internet financial is a new financial business model of information intermediary services that Internet companies with the traditional financial institutions use the Internet technology and information communication technology to realize financing, payment, investment, and. Its development model mainly includes the raise, P2P lending, third-party payment platform, digital currency, large financial institutions in the financial data, information and financial portal, etc. Today in China the most rapid development’s Internet financial development model is a P2P, refers to the individual through the P2P platform to obtain the personal loan loans. Capital surplus may obtain higher interests than bank by way of this kind of investment and capital demanders can also get the loans they need at a lower limit.Judging from the current P2P industry development, foreign mature has entered a stable period of development because of the credit system and credit development of P2P industry. Since in 2005 the British set up the first P2P Lending platform Zopa, it has emerged many excellent network platform such as Kiva, Prosper and Lending Club, which the platform also represents the mainstream of P2P industry development model. Many scholars studied P2P, but there is not in-depth analysis. At the same time in the P2P industry development in our country also appeared a lot of problems in the process, so this article will analyze the first U.S. P2P lending platform Prosper, and hope to be helpful to the P2P industry development in our country.This article will analyze operation model, operation flow, profit and risk control, and other aspects of Prosper, comparing with the domestic and international major P2P platform at the same time, analyzing the company’s strengths and weaknesses. Finally according to the overall situation of our country, I will summary the development pattern of Prosper to help our country. Through this article, I hope that can complement each other. The development experience of Prosper is applied to solve the actual problems in peer-to-peer (P2P) industry in our country, to help the development of P2P lending platform in our country, to prevent failures and other events, and to provide safe new financing channels.