Research On Transformation And Development Of P2P Lending:YieLoan

The P2 P network lending platform is a network platform and lending business together based on the development platform,which is based on information technology,the realization of private lending,microfinance companies,micro finance or private financial reform,which can effectively solve the financing difficulties of small and micro enterprises and individual problems,but also provides a new the investment channels for the majority of individual investors,the financial sector in recent years become the most important system innovation and technology innovation of.Therefore,since the P2 P network lending into China for the first time since 2007,in just ten years of rapid growth,the 2016 annual national P2 P net loan turnover reached 2 trillion and 804 billion 938 million yuan,as of the end of 2016,the net loan platform history a total turnover of 4 trillion and 440 billion yuan,and achieved remarkable results.But at the same time,China's P2 P network lending in the long term,no barriers,no industry standard,no external supervision of the three position,disorderly competition lead to "run away" and "collapse" events,caused the attention of the whole society.In August 2016,the "Interim Measures" business management information network lending agency officially announced,set a preliminary framework for the development of the industry,marking the P2 P network lending market in China from the barbaric growth to regulate the development of transition,also make many intermediary business lending P2 P network is facing new opportunities and challenges.This paper intends to "P2P network lending platform facing Interim Measures" after the introduction of the new development environment,network lending platform of Jiangxi province "e easy loan" as the study object,how to improve the compliance and overcome the "asset shortage",to enhance the customer experience,guarantee fund safety and other aspects of proposed transformation and development thinking.