Research On The Evolution Mechanism Of The Peer-to-peer Online Lending System Based On Self-organization Theory

With the continuous development of Internet technology, the Internet financial gradually rise, as the main mode of Internet finance P2 P online lending also spring up everywhere. However, with the same time of social economic and P2 P online lending development of rapid, P2 P online lending also rise many problems. Therefore, utilizing new theories, new methods to study P2 P online lending has become a concern for many scholars. Meanwhile, the first Alibaba complex scientific forum in October 2014 held in Hangzhou also shows practitioners have begun to explore the use of science to explain complex problems encountered in practice circle. Since P2 P online lending system is a multiple elements, especially if person is involved, which makes P2 P online lending system becoming a complex system, and its performing in space, time and function of evolution with self-organizing feature. Therefore, only a single scientific theory of evolution and development of mechanism for P2 P online lending system research is not comprehensive, and has limitations. In this paper, starting from the ideological complex systems, and study the evolution mechanism of P2 P online lending system through the self-organization theory.Firstly, through the researches on P2 P online lending combed, and self-organization theory overview and introduction. On this basis, the article analyzes on self-organizing feature of P2 P online lending system, it showed openness, Non-equilibrium, nonlinear characteristics are the condition of P2 P online lending system, a prerequisite for the evolution of self-organization, and P2 P online lending system also meet these conditions. Secondly, the evolution of development in the form of P2 P online lending system were discussed in the paper, revealing the three forms of autopoietic, self-convergence, evolution of self-evolution of P2 P online lending system, followed by further analysis, the article study the dynamic mechanism to promote the P2 P online lending system evolution. The internal dynamic mechanism is competition and cooperation mechanisms, and detailed analysis of the competition and internal synergies of P2 P online lending system between the main elements. In the analysis of the evolution of P2 P online lending system external form and internal development force, taking Logistic equation was constructed based on the Logistic equation, the paper construct the overall evolution model of P2 P online lending system, quantitative analysis and description of the external environment under certain restrictions P2 P online lending system evolution and development of self-organization and evolution of the curve of the stages. Finally, the paper selects two P2 P online lending platform data of Lujinsuo and Hongling venture to test the evolution model, and analyzes these data by using the SPSS software, and through practical Data on self-organizing feature P2 P online lending system were explained, results that the P2 P online lending is in a growth stage of rapid development, based on the empirical analysis, the paper gives some suggestions for stable development of P2 P online lending.Based on the complex scientific thinking, from the perspective of the theory of self-organizing to study the evolutionary development of P2 P online lending system not only with a certain degree of innovation, but also to provide a new method and theoretical model for the study of P2 P online lending, of course, the deficiencies of the paper also should be further studied.