Research On P2P Network Loan Guarantee Problem

P2P network lending is a new kind of borrowing model on which the lenders and borrowers can make lending relationship.P2 P network lending, in essence, is still the private lending. Also, it is the product of the private lending and the emerging Internet technology.The introduction part of this paper briefly introduces the background and significance of the P2 P network lending, in order to make readers have a direct positive understanding of P2 P network lending.The first part of the article is directly access to the theme. First of all, the characteristics of P2 P network loan guarantees is introduced, and then the current situation of China'sP2P network lending. Depending on the guarantee responsibility main body,the writer sums up four kinds of guarantee modes: the borrower to provide collateral, platform-self insurance,the third party guarantees and insurance contract. And on this basis some new changes of P2 P network lending are introduced.The second chapter is close to the first part of this paper, based on the status quo of the guarantee, the risks and problems of P2 P net loan guarantee mechanism are analyzed, intend to improve the P2 P net loan guarantee system and pave the way for the next chapter.The third chapter of this paper is based on the previous chapters, According to the risks and problems of P2 P network lending guarantee mode, the author puts forward some suggestions to perfect the P2 P network loan guarantees,in order to promote the P2 P network lending return information intermediary, and real to play its role to solve the difficulty and cost of lending for the small micro enterprises.