Research On The Optimization Of P2P Lending Management Strategy Of Wenzhou X Bank

With the economic system reform continued to deepen,the traditional Banks,especially the regional commercial Banks are facing interest marketization,spreads narrowed,the impact of the private Banks and financial institutions in the Internet,and the development of P2 P lending become a commercial bank loan transformation and upgrading of the breakthrough.In recent years,more and more Banks involved in P2 P lending,hope with the help of a P2 P lending to borrow break geographical limitations,improve profit margins,to meet the challenges of the Internet financial,but the bank is the development of the P2 P lending is borrowed a play-off road.Based on P2 P lending to borrow related theory,this paper combined with the research methods of literature research,case analysis,X P2 P lending bank loans in wenzhou as the research object,through the analysis of the development of wenzhou X P2 P lending bank credit status and the defects of the current management and causes,puts forward the wenzhou X P2 P lending bank credit business strategy optimization Suggestions.First of all,the paper analyses the status quo of wenzhou X P2 P lending bank loans,the analysis shows that the development of wenzhou X P2 P lending bank loan part is feasible,but there are also some problems,is not conducive to the development of the P2 P lending is borrowed.Secondly,the paper further analyzes the wenzhou X P2 P lending bank loan problem causes,sources in the financial market competition is intense,assets and single product structure,the pattern of traditional credit risk control,investors and borrowers of money demand information asymmetry,the users’ needs to improve trust in P2 P,restricted the development of wenzhou X P2 P lending bank loans.Finally,in view of the above reasons based on the operating model design,source of asset optimization,improve risk control mode,the innovation fund marketing strategy from four aspects,put forward the wenzhou X P2 P lending bank credit business strategy optimization Suggestions.