Studies On Problem And Countermeasure Of P2P Model In China

P2P,Peer to Peer Lending,is a new financial model with the development to the internet and the rise of private lending.P2P is from professor Yunus who founded"Grameen Bank"in Bangladesh-Different from traditional lending,all data identify,transaction negotiations,cash flows and contract generation are done though the network.As an exotic product,begin,P2P business model is from the ZOPA.About 2006,It were brought to China.But Chinese credit system is not sound,so when this model was introduced into china by PPDai,it did not bring a mass effect.Then,the local P2P model have developed a big of "Innovation",e.g,the mode of capital security System,the transfer of Claims,the P2P+SC and so on.In 2013,P2P began to a huge growth step.After 2015,the number of P2P,it has more than5000 in china,and it brought many problems.At the same time,the debate on the domestic p2p whether To deviate from the core of the p2p business has been becoming more intense.Early stage,the data of the p2p did not full,so domestic scholars focus on the origin and development of the p2p lending,the step of literature,from a macro angle,analysis about the development,model,credit system,regulatory and so on.Then,the study in a deep-going way,it turned off model analysis from theory about p2p.Since2016,the regulatory is more and more strict.So,the study is necessary.The main part of this paper is analysis of the two aspects:First,the analysis of the local p2p model on the problem,risk;Secondly,a comparative analysis of different:p2p platform in risk control,information disclosure,claims,at domestic and overseas;the domestic policy analysis.Through analysis,the paper draws the following main conclusions:(1)The domestic model should be the "two division"attitude;(2)make sure function supervision and detailed rules;(3)the public information is the key of financial disintermediation.The innovation of this paper:(1)the object of study is belong to novel model;(2)the angle of study is typical.