| Over the past decade,with the advancing economy of China,Chinese P2P online loan industry has developed a "blowout".However,absorbing lessons from those platform crises like the "E Zu Bao" incident in recent years,the conclusion can be drawn that,due to the huge risk of private capital market and the network virtualization,the online loan industry is entwined with risk.How to regulate the network loan market,promote the healthy development of private financial capital,is the urgent need to solve the problem of network loan industry.As the name implies,P2P network loan refers to the individual through the network of third-party platform to provide loans to others to provide business models.Compared with the formal bank loans and general private lending,this model is mainly characterized by strong market demand,simple and efficient operation,relatively high interest rates,a wide range of business involving a wide range of stakeholders.At present,China's P2P network loan platform business model,can be divided into intermediary service type,guarantee type,debt transfer type.On the basis of the analysis of the three models,we can find that the three models mainly involve the four main types of legal persons such as borrowers,lenders,net loan platforms and related parties.The corres ponding loan risk mainly exists in the four main bodies on.Based on the analysis of the risk of the borrowers,lenders,net borrowers and related parties in the network loan,it can be seen that the prevention of the current risk of the P2P network loan should be mainly from establishing a sound credit system and strengthening the government supervision,Improve the network loan information disclosure,strengthen the network loan business industry to guide these four aspects to be started.However,practice as an important criterion for testing the truth,to truly understand the operation of P2P network loans,in addition to theoretical research and analysis,still need to start from the real case level to study. |
PDF Full Text Request