Case Analysis Of A Pleasant Loan Net Loan Platform

The emergence of Internet banking has greatly changed people's way of life and thinking,P2 P Internet banking as the most representative of the business model,is of great help,to solve the financing problem of small and medium-sized enterprises after 2014,P2 P net loan industry into a crazy growth period,and with the P2 P industry regulatory policy,industry P2 P gradually standard,2016 is known as the P2 P industry "to regulate the development of the first year".The risk control of P2 P industry has been the focus of attention of the masses and investors,In recent years,venture capital,bank,state-owned enterprises,industrial capital have entered the P2 P industry,supervision and risk control problems of the P2 P industry has drawn more and more attention,many P2 P net loan companies are fully aware of the importance of risk management and security for its development and industry.The research object of this paper is the pleasant net loan platform company.This paper uses the method of case analysis and comparative analysis,in-depth analysis of the operation situation of pleasant net loan lending platform,found pleasant loan industry advantages compared to the existing other net loan platform,but also to find out the existing problems and give credit pleasant,pleasant credit problems,put forward with the development of credit pleasant net loan platform the risk control measures,so as to help the pleasant loans form a complete risk management system,the use of big data method to improve risk control model,to help companies determine the target customer base,combined with the company's operation and macro environment,reduce the platform bad debt rate,so as to improve the level of risk control.Provide reference for the future development of the company and industry.The reason for the choice of a pleasant loan net loan platform as the object of study,because compared with other domestic P2 P platform,the crowd is set to ease lending loan crowd is mainly white-collar.In addition,the net loan platform after years of development,has accumulated a lot of data and rich experience.Pleasant loan platform in product and service innovation,risk management,compliance management and other aspects of the industry leader.This paper is divided into four parts.The first part of the introduction,this part of theresearch background and significance of the research,and describes the framework of the article,research ideas,research methods and research deficiencies.The second part focuses on the analysis of the current situation of the development of the platform.This part of the case of the net loan platform for a detailed presentation,such as: company profiles,product introduction,business model and risk control,etc..The third part analyzes the operation mode of net loan platform.First of all,this chapter analyzes the core competitiveness of the company,and then analyzes the problems of pleasant loans.The fourth part: suggestions and summary,give some suggestions to the problems of the pleasant loan platform and summarize the article.