Normative Development Research Of The P2P Network Loan Platform KaiXin Financial

China has a large number of small micro-enterprises,they have developed into the main body of the national market economy.However,due to the limitations of small micro-enterprises? structure and the financial market restrictions.Financing difficulties has always been its outstanding problem.With the development of network technology and financial and Internet integration of the upgrade.Internet financial P2 P online lending platform show its? low cost,no geographical restrictions,fast,convenient information communication,for the rapid and other advantages.The traditional banking business has a certain challenge.But also create innovation of small micro-enterprise new loan model.This paper is based on the background of Internet finance for small and micro enterprise financing.I analyzed the P2 P model in the Internet financial model.I select the ?Kai Xin Financial? conducted a survey,it is the industry’s only access to the People’s Bank ?legal compliance? approved network loan platform.This paper studies the advantages and successful experiences of P2 P model in supporting small micro enterprise financing.In addition to investigating Kaixin Financial platform,I also randomly selected some small micro enterprises in Jiangsu Province to visit to further understand the situation.I hope to be able to more fully understand the development of the Kai Xin Financial.According to the survey we can find,Kaixin Financial platform in the operation process with a large total loans,loans overdue,credited into account fast,high investment threshold and low loan income characteristics.By SWOT analysis we can find,Kai Xin Financial has t hree advantages,including the new micro-loan technology,unique big data and the perfect risk control system.The perfect risk control system is mainly composed of five parts: strict guarantee of the guarantee institutions,the total guarantee of the guarantee institution,the guarantee of the high-quality loan by the guarantee institution,the guarantor of the guarantee institution undertakes the joint guarantee liability and the sound risk preparation gold system.It has four disadvantages,including the existence of duplicate audit issues,low coverage of micro-credit,platform popularity is not high and poor user experience.It has three opportunities,including the degree of recognition and popularity of investment and financing gradually increased,policy support and the rapid development of internet technology.There are three kinds of threats,including the market credit inspection mechanism is flawed,increasing competition is fierce in network platform and platform development environment is further improved.Finally,I put forward four aspects of the operation of the issue of Kai Xin Financial,including credit aspects,risk,volume and technical aspects.In order to provide some reference for the rest of the P2 P platform in the industry.Promote the P2 P industry to healthy and orderly development.I hope we can jointly solve small business financing problems.