| P2P(person-to-person or peer-to-peer) online lending is a network platform provides both lenders and borrowers for information exchange and lending. Since the P2 P network lending appeared in United Kingdom in 2005, it spreads worldwide rapidly. After several years of development, it has received much attention from scholars. In China, P2 P network lending first appeared in 2007. In less than 10 years, P2 P network lending shows a strong vitality. At present, there have been thousands of lending platforms across the country.P2P network lending platform rises because it has unique advantages than traditional finance. It can provide a more simple, fast and convenient loan service than traditional financial institutions. It solves the problem of shortage of funds in the middle and low income groups. But until now, P2 P lending market still faces a major problem that financing costs are high in network platform. High cost of financing has been restricting the healthy development of the P2 P lending market. This paper is based on the condition of financial new normal. And it takes PPDAI for example, using the method of case analysis and empirical research. First, explore the influence factors of cost of financing of each transaction by many loan transaction of a user. And put forward some relevant suggestions for these influence factors. Then use the meathod of empirical analysis to research. First analyzed the distribution of scatter plot and then statistically analyzed on SPSS17.0. Finally, the author summarizes the full text, summarizes the influence factors of online lending financial cost and puts forward some suggestions on how to reduce the cost of financing effectively. |
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