Case Study On The Failure Of P2P Lending Platform

The development of the Internet directly promoted the emergence of P2 P network lending platform,P2 P network lending platform because it provides a convenient "personal to personal" lending and investment services and widely welcomed by the market.Since 2007,China's first P2 P network lending platform to shoot the loan since the establishment of P2 P network loan in China has gone through a decade of history.As of the end of 2016,China has set up a total of5877 network lending platform,the cumulative volume reached 4 trillion level.The cumulative number of closed and problem platforms as high as 3429,accounting for up to 58.35%.This paper analyzes the reasons for the failure of e-loan network lending platform,combining theoretical research and case analysis.The first chapter is the introduction.This paper introduces the background of the topic selection and the significance of the research,and summarizes the research results of the existing literatures at home and abroad for P2 P network lending,and puts forward the structure and innovation of the article.The second chapter is the e loan network loan platform case introduction.Including the development of China's P2 P network loan platform status and development model,e-loan events review,e-speed loan in the development process used in the business development model.The third chapter is the analysis of the reasons for the collapse of the e-loan network borrowing platform,and introduces the six reasons.The fourth chapter introduces the reasons why investors are attached to the platform,divided into five points to discuss.The fifth chapter introduces the reasons of the delay in the supervision policy from the angle of economic development and analyzes the pressure and influence of the supervision policy after the landing from the perspective of behavioral economics.Chapter 6 introduces the revelation and suggestion based on the case of e-speed loan collapse,and discusses from the three aspects: network loan platform,loan industry and supervisor.