The Research Of Peer-to-peer Net Loan Platform Construction And User's Select

With the rapid development of Internet finance,peer-to-peer net loan has been also received more and more attention by the majority of users.As an emerging industry,the development of peer-to-peer net loan industry in C hina is growing very rapidly,and it's high profitability and short-term financing attracts a lot of users,especially in the banking sector lending blank area,many small and micro business owners or individuals that inability to provide security or without sureties but also need funds,but in recent years the development of domestic peer-to-peer net loan platform is chaos,various problems emerging platforms,not only led to the collapse of a large number of platforms,but also led to many internet users not only gain damage,and even some users even the principal cannot be recovered,causing the user to select the platform difficult,for the safety of profit funds is very worrying.But most scholars at home and abroad are working to study the factors that affect the success rate of borrowing,only a few scholars are working the study consider two aspects of users select and peer-to-peer lending platform construction.Therefore,this paper used users select and peer-to-peer net loan platform construction as the starting point,used maximize the benefits as premise,study peer-to-peer net loan platform construction under the influence of users selected.Peer-to-peer net loan based on the user and to maximize the benefits platform in advance to peer-to-peer net loan robust security platform development for the purpose.In this paper,the game logic knowledge that static game,Nash equilibrium,dynamic evolutionary game theory is based on peer-to-peer net loan financing platform and platform user that is related to both lenders and borrowers do two games between the two.Wherein the peer-to-peer net loan platform game with lenders,the model assumed that the policy plat form of peer-to-peer net loan guarantees and is divided into two does not provide guarantee,the lender's policy is to lend money and do not lend money in two,and then through the peer-to-peer net loan platform and lenders do the expected utility differential,come to raise the expected utility peer-to-peer net loan platform approach is: to increase the amount of credit lent funds,increase fees,reduce costs,lower default rates and improve lenders expected utility method: to reduce fees and improve the probability of providing guarantee,increase the punishment of default;In peer-to-peer net loan platform and debit game,the model assumes that strategy peer-to-peer net loan platform to provide mechanisms for investigating and reminders posted the line does not provide,debit policies for breach of contract and not breach of contract,both sides benefit by Dynamic Evolutionary Game Analysis draw the line provides the mechanism can effectively reduce the default rate,but provides a mechanism will increase the platform costs,and higher user fees will result in the loss;Peer-to-peer net loan platform in the game between the dynamic evolutionary stable strategy analysis platform changes in average earnings between the platform evolution strategy drawn stabilized approach is to provide the highest point with the line under guarantee mechanism.Game analysis concluded between the three parties to provide a mechanism under guarantees and lines can increase the probability of lenders to lend money,you can also reduce the default rate,but there is a contradiction here is the platform to provide a mechanism to raise necessary to reduce costs,increase fees reduce default rates and an increase in the amount of funds lent lenders,but increase user fees would cause the loss,then how to weigh the contradictions peer-to-peer net loan promote better development? This paper presents a joint proposal to build here peer-to-peer net loan platform of cooperation between the platform acquisitions,one can effectively reduce costs and provide a moderate fee,users can realize the sharing of resources among the other hand platform,while providing guarantees and lines under review and reminders account mechanism to effectively reduce the probability of default rates and lack of guarantee issue platform,in addition to provide a comprehensive range of business,but also to attract more users and financing,improve the platform's reputation,peer-to-peer net loan platform to achieve steady development,but also to achieve peer-to-peer net loan platform user profit win-win situation.