Study On The Development Of P2P Based On The Internet For Chinese Investment Company

P2P lending is a kind of new business model, refers to the investors that have sufficient funds and desire of investment, taking the network platform as the intermediary, lend the money to the people who lack funds in the form of loads, then the investors get earnings,the companies get service and administration expense, the borrowers get money. That is the investment company sets up a P2 P online platform, through what the individuals or institutions make financial transactions with other individuals or institutions. such as investment?financial management?financing?loans?accounts settlement etc. Compared to the bank's deposit ?loan and financial management, the P2P's customer is more widely,and it's investment channels are more simple, with higher yield?greater risk?random single amount. On the one hand the Internet Finance develop rapidly, on the other hand the domestic residents' wealth grow fast and the financial desires increase diversely, so, how to develop the P2 P based on the Internet Finance has become an important topic in the financial services of the Chinese investment companies.This article begins with the study of situation and development trend of the Internet Finance, then expounds the concept?stage of development and characteristics of the P2 P Lending, and analyzes the problems and causes in developing the P2 P Lending of the investment companies. After that the article shows the prospering aspect of the Internet Finance through “renrendai” and “Lufax”. Based on former points, the paper puts the future opportunities and summarizes the development strategies of the investment companies in P2 P Lending. To speed up the development?steadily improve the market competition and promote win-win for all parties, the investment companies should pay attention to talent strategy?product strategy?marketing strategy and risk control strategy, so this can form the systematical ?standard?professional?specific and modern Management system, Based on the above research, the article draw conclusion on the development of the P2 P Lending of Chinese investment companies.The purpose of writing this article is to explore how the Chinese investment companies can make successful roads of the P2 P Lending in a state of prosperity but some chaos, with the help of good momentum of development of the Internet Finance, providing powerful strategies support for the investment companies to develop the P2 P Lending.