Research On The Symbiosis Between P2P Credit And Medium-small Commercial Banks In China

Since the first P2P platform has been set up in 2007,this kind of new peer to peer credit pattern develops very quickly in recent years,which offers a new method to solve the loan difficult problem for small enterprises that has puzzled credit institutions long time.However,this industry risk is higher and higher,resulting in some scandals such as running away or fraud events.At the same time,medium-small commercial banks have been specialized in small company credit business.To achieve great performance,they always innovating credit models and putting these into practice.But the asymmetric information problems are still not clear with the minimum cost.Therefore,the cooperation mechanism between P2P credit pattern and medium-small banks can contribute to whole society.Building this cooperative system using financial symbiosis theory has the significant implication to both interest groups and small enterprises financial service.To begin with,this thesis mainly focuses on the background theory and instrumental model by introducing the concept of financial symbiosis and analyzing the basic thought of Logistic Growth Model.Next,we aim at researching the status quo of P2P Credit and Medium-small Commercial Banks.Based on the three elements of financial symbiosis——symbiosis unit,symbiotic environment and symbiosis pattern,the symbiosis relationship between P2P Credit and Medium-small Banks is proven and the external environmental factors are analyzed as well.The point or intermittent symbiosis model is presented in this condition.Then quantitative method has been applied to verify the reality.Combined with the data between 2009 and 2014 as main quality parameters of two symbiosis units,the symbiosis growth model and environmental capacity model are composed.With these models,there is symbiosis relationship between P2P Credit and Medium-small Banks quantitatively.And the function of symbiosis environment is neutral incentive level toward symbiosis units.Meanwhile the result of dissymmetry mutualism model is deduced by calculating the degree of symbiosis.Then the problems of symbiosis system have also been discussed.Finally,based on the above analysis and demonstration,some useful suggestions to the symbiosis development of our state P2P platforms&Medium-small Banks are presented,followed by description of the symbiosis system overall frame.