Research On The Operation Mode And Risk Factors Of P2P Network Lending Platform

Development of P2 P network lending in China began in 2007,and entered the outbreak phase in starting in 2012 after several years of accumulation.As a complement to traditional bank lending practices,P2 P solve the chronic financing difficulties of small and medium enterprises,and provide new efficient financing experience to some extent.Through the P2 P lending platform for investment and financing behavior on the Internet is not only the high cost required to reduce funding to the public,and there is no geographical limitation of the traditional lending,while attractive yields attracted investors.China network of P2 P lending industry in the growth period,preliminary profit model has been explored.Low threshold and high profit returns as well as sound regulatory measures do not cause the background of Chinese net lending industry has been in a state of wild growth.Paper first briefly introduced P2 P network borrowing platform of background and status,and on market Shang main platform of operation mode for Combs;then selected has must representative of Lu Jin by,on its products and operation mode for introduced;then analysis Lu Jin by current exists of risk factors,respectively from legal risk,and platform risk and market risk of angle starting,and using grey associated degrees of method obtained interest rate,and day stay also amount and borrowing term three a factors in larger degree Shang effect platform of liquidity,For platform security is very good observations.From the platform itself,industry self-regulation and supervisory system of the three presented some of his policy proposals,with a view to P2 P lending platform to a stable and healthy development of the network.