| Internet finance is combined with Internet technology and financial services,gradually becoming the hot spots,and normally it can be divided into six parts:the third-party payment,P2P(peer-to-peer)lending,crowd-funding,the third-party financial platform,large data finance and the Internet mode of traditional finance.P2P lending is one of a mode in Internet finance,which has made a great contribution to China's inclusive finance and SMEs financing problem.In recent years,our P2P lending has a rapid development both in specific mode and regulatory policy,which gradually shows its own characteristics while is also in line with international standard.The main contents of this article are divided into five parts,which are roughly as follows:Firstly,it will introduce the background of Internet finance and P2P lending,and will analyze the main research contents and innovation points of the article;Secondly,it will discuss the Internet finance and P2P industry in detail,including the connotation and supervision of internet finance,the development status and characteristics of P2P industry and the prospect of P2P industry;Thirdly,it will obtain similarities and differences through analyzing all kinds of P2P companies at home and abroad,and the domestic platforms include PPDAI,Lufax and so on,while the foreign platforms include Zopa,Funding Circle,Prosper and Lending Club;Fourthly,it will focus on the analysis of our object company——Chen Tian finance company,including its product analysis,P2P model research,important mechanism research and characteristics analysis;Lastly,it will analyze the advantages and disadvantages of the company's P2P mode,putting forward the corresponding suggestions and the conclusion.ChengTian Finance Company is our research object,which is a P2P lending platform combined with pure intermediary mode,mortgage mode,020 mode and P2B model.It cooperates with the third party payment platform the third party warehousing logistics company,and the former works as a custodian,which isolates investors funds with company's own funds,while the latter helps transport and keep the real estate of the company.Besides,ChengTian Finance Company is famous of "warehousing finance" and transfer market mechanism and so on.However,the company also has some problems:a high demand for collateral,interest rate advantage is not competitive,and the company is vulnerable to systemic risk and so on.Therefore,the study of this company has a positive meaning to both P2P mode research of the company itself and the entire P2P industry. |
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