The Research Of Commercial Banks Participate In The P2P Network Lending Platform Model

With the financial management concept of residents maturing and the development of innovative financial instruments, China’s commercial banks has saw a general decline in the growth rate of net profit. Despite the downturn of China’s macroeconomic situation, the fundamental problem lies in commercial banks’ profit model. The traditional profit model relies on the difference between loans and deposits. On the one hand, because the main credit customers of commercial banks are big businesses, big businesses have been affected the macroeconomic situation. On the other hand, subject to credit criteria, commercial banks can not well developed small businesses and small clients. These factors ultimately lead to the commercial banks’ bad performing. Because commercial banks’ credit operations don’t cover long-tail business users, P2P lending which is a new form of financial innovation has the opportunity to seize the market. With the development of Internet technology, P2P lending with its own innovation, convenience, and universality caused a certain impact on deposits and loans business and customer resources of commercial banks. For the current economic situation and the fiercely competitive environment of financial industry, commercial banks are also facing enormous pressure of transiting management structure. Thus, commercial banks can take advantage of their own strengths and participate in the P2P network loans. For one thing, consumer finance is the future trend of financial development and small and micro clients are an important source of profits. Commercial banks can broaden the profitable channels by participating in P2P lending. For another thing, commercial banks can learn from the Internet thinking to optimize its operating structure and increase their competitiveness.Based on related research at home and abroad, this thesis combined theoretical analysis and case analysis. Firstly, theories of P2P lending are introduced. Then from the perspective of the number of operating platform, the platform background and the volume of online loans, the latest development of P2P lending are visually described through the data and charts. When introducing the existing models of P2P lending platform, this thesis also pointed out that although the P2P lending develops rapidly, there exist low image, and imperfect risk-management system and lack of high-quality projects. However, P2P lending still has an impact on traditional business and customer resources of commercial banks, compressing profit margins of commercial banks. Secondly, this paper introduces that it is necessary for China’s commercial banks to participate in P2P lending, as well as the current situation in which commercial banks participate in P2P lending. And this thesis also summarizes three kinds of typical models and compares the three different models. In the mean time, a representative platform of each model was analyzed in detail from four aspects: introduction of platform, developing status, operating model and existing problems. Finally, this thesis made some relevant suggestions for China’s commercial banks on how to participate in P2P lending, which provide references for commercial banks get involved in P2P lending in the future.