Case Analysis Of P2P Network Borrowing Platform

In recent years,with the rapid development of Internet finance,the traditional banking business has been unable to meet the diversification of the financing needs of the market,resulting in a lot of financial innovation,the Internet as the carrier of P2 P lending platform is one of these financial innovations.P2 P and traditional bank borrowing is essentially different,it through the Internet to establish an information platform,the borrower's borrowing information on the Internet,investors can be based on the borrower's information to their own funds lend to each other,and most loans Shorter duration.Therefore,P2 P platform to a certain extent make up for the lack of traditional bank loans to meet the financing needs of SMEs.The analysis of this article e rent treasure is China's largest off a P2 P loan platform,the closure of the P2 P industry has exposed a lot of problems,the development of China's P2 P industry has important reference value.In this paper,"e rent treasure" as the research object,through the analysis of "e rent treasure" mode of operation,found in the model P2 P platform there is insufficient information disclosure,fund management confusion and other issues,these problems directly led to the " The closure.In order to standardize the development order of the P2 P platform and reduce the risks in the network lending,this paper analyzes the reasons behind the closure of the "e rent treasure".Due to the imperfect external supervision,the platform internal risk management mechanism is not perfect,the platform can not Timely response to measures,regulators can not be found in time,which eventually led to the "e rent treasure" to the illegal fund-raising approach.In this regard,this article based on the above reasons,targeted to improve the regulatory system,improve the internal risk management mechanism and other proposals to promote the P2 P industry in China's healthy development.