Research On Business Mode Of Lixibao Based On P2P Perspective

With the rapid development of Internet information technology, Internet technology and traditional financial merging to form a financial Internet. P2 P mode, specifically the surplus funds at the same time want to have a personal investment, financing through the P2 P network platform will lend funds financing needs of individuals. Compared to the traditional indirect financing, P2 P network of investors and financing platform will connect directly to borrowers, whether borrowers or lenders who have benefited from this financing transactions in order to set up a model based on P2 P net loan platform as well as a large degree of development, Lixibao is one of them. For information treasure force, the choice in the platform market in P2 P mode suited to their own business model is worth exploring the issue, which is one of the main issues explored in this article.PAIPAIDAI is China’s first P2 P net loan platform, established in 2007. In 2012, the domestic P2 P net loan platform explosive growth, the number of the country’s P2 P net loan platform very much. P2 P net loan industry benchmark Although China’s P2 P net loan platform in larger quantities, but there are more problems, such as platform size is generally small, uneven geographical distribution of serious problems, compared to foreign countries,China’s construction of P2 P networks loans the road is still a long way to go. Furthermore,the presence of the constraints of the P2 P net loan their own development, but also facesmany external challenges, such as national legal regulation is not clear, the policy is not perfect, the credit system is not comprehensive and other issues, also affect the development of P2 P net loan. But we can see the whole P2 P net loan has a simple, convenient, flexible operation, low barriers to entry, wide coverage, unsecured and other advantages, especially suitable for small short-term funding needs of the borrower. Based on these advantages, P2 P net loan to make up for the shortage of produce on the market, so that more and more extensive range of financial services, for those who have a small short-term funding needs,but limited by the formal financial institutions for SMEs and individuals, the use of P2 P net loan platform, to solve the problem of shortage of funds, access to efficient financial services.Firstly, this paper studies the concept of Internet-related financial business model,financial analysis of the theoretical basis of the Internet business model, including the concept of Internet banking, the nature, characteristics, operation mode, P2 P Internet finance theory and information technology support. On the basis of P2P-based perspective on the analysis of the current financial market conditions the Internet, looking for a business model in line with the concept of P2 P.On the one hand, the paper also introduced based on interest and demand product positioning of Lixibao, the use of PEST analysis and SWOT analysis of the power of information-products analysis to identify interest Lixibao strategic positioning. On the other hand, combined with P2 P net loan industry benchmark analysis to identify the operational elements of competitive differentiation, in order to make the force interest rates treasure mode selection is mainly a combination of online and offline business model. First,Lixibao, as Yun Feng asset holding company, has a concept in line with the trend of the times,the obvious advantages of the region, as well as adequate human and financial resources of all kinds elements of resources. Based on these conditions, force interest rates treasure meet the basic start-ups on the basis of the requirements under the discovery and premise controlinvestment business risk, clear structures and optimize force main Lixibao P2 P platforms need to be addressed and problem-solving basic ideas, help enterprise P2 P networks have become competitiveinvestment and financing platform operations guidance.Finally, the paper summarizes the experience made and future prospects in order to bring the reference for the healthy and orderly development of P2 P net loan industry and the reference value.