Research On Promoting P2P Lending Through Credit And Guarantee Insurance

The emergence of P2 P lending is an innovation of financial system.At the other level,is an innovation of current Internet financial.With the rapid development of Internet technology,the borrowing needs of small companies and individuals are presented on P2 P information platform which could narrow the information gap between capital demanders and lenders and solve the problem of financing for small companies.On the other hand,it also extends a direction for the private capital flow,and speeds up the flow.However the rapid development of P2 P lending brings about various problems,in which credit risk ranks on the top.How to decrease and transfer the risk through credit insurance as a tool.This these for elaborate the research background and significance,the propose to solve the P2 P problems through insurance,mechanism and put forward the idea of credit insurance as an example.Secondly,the application of information asymmetry theory,credit theory are explained at length as the theoretical foundation of this thesis.The third part displays the current situation of the development of P2 P lending in China,pointing that relevant shot comings of credit risk management.Furthermore,the necessity of developing insurance in P2 P lending is analyzed and the function of P2 P credit insurance is emphasized.Again,the P2 P credit guarantee insurance is explained with cases.At last,the thesis points out the obstacles,before the development of P2 P credits guarantee insurance,and provides relevant suggestion.