A Comparative Study Of Online And Offline Micro Loan Platform Model

At present,the academic community for online and offline data on small loans is relatively large,the research angle of diversity,and in-depth comparison,provides a good reference for further research,and to a certain extent for the small loan decision of field provides a theoretical basis and support.However,there is a big difference between the model and the index which is not used by the students.Therefore,the academia has not yet formed a unified view on the issue,which leads to the conclusion that the research conclusions do not have much practical value.Compared to the line of small loans,online microcredit mainly rely on the accumulation of data on the online micro credit platform,through the Internet to achieve the main credit operations.Although the Internet technology can largely save transaction costs,but its high dependence on the Internet has also led to the existence of high network security risks.This paper is a comparative analysis from the microcredit platform in China online and offline scale,structure,mode of operation,and by means of case study demonstrates the effect of China’s microcredit platform online and offline,the effect of microcredit platform online and offline analysis.Then,according to China’s microcredit platform online and offline definition,from the economic base,population development,social function and external factors such as the four part of the selection of appropriate indicators,construction inspection microcredit platform spatial correlation between the outlet and the line,the current measure of microcredit platform in China online and offline,at the same time effect of microcredit platform scale online and offline analysis.Then,the use of China’s major commercial banks,small loan lending platform line data and particle loan,gold clothing,ant ant flower,Bai post wallet,orange banks and empirical analysis.Based on the quantitative analysis of the factors affecting the size of online and offline microcredit platform,this paper discusses the spatial effect of online and offline microcredit platform.Finally,according to the content of the empirical part,this paper provides feasible policy recommendations for the government departments to manage the online and offline microcredit platform.Due to the limited level of the author’s research,there are many problems in the paper,but the author hopes that this article can be a reference for the healthy and sustainable development of China’s micro credit platform.