Research On The P2P Group Lending Behavior Of Small And Medium-sized Manufacturing Enterprises In After-sales Service Network

The service transformation for small and medium-sized manufacturing enterprises meets the needs of the development of the times,and is also a need to promote the development of enterprises itself.After-sales service is an important step in direct contacting with customers and understanding the customers' needs for small and medium-sized manufacturing enterprise,and it is a key link in the process of transformation and upgrading of service.But the small and medium-sized enterprises generally face the financing difficult problem at present,which severely restricts the pace of transformation for small and medium-sized manufacturing enterprises.P2P lending was born since 2007 in our country,and has formed a certain influence.P2P lending with its low threshold,quick review,flexible and high efficiency,becoming a important financing channel to small and medium-sized enterprises.However,it is also difficult to apply loans through the P2P lending to a single small and medium-sized enterprises itself because of lacking credit and mortgages.So,the P2P group lending becomes a breakthrough point to solve the problem of financing difficulties.In this paper,the main contents are as follows:(1)Literature research.Through the literature retrieval to identify the development status of the after-sales service network of small and medium-sized manufacturing enterprises,financing status and the development status of P2P lending and group lending;(2)Constructing a conceptual model of P2P group lending behavior in small and medium-sized manufacturing enterprises after-sales service network.Using the content analysis method to analyze the behavior of small and medium-sized enterprises in group lending which have been studied,and then identifying the key behaviors;(3)Researching on the team members selection behavior of P2P group lending in the after-sales service network of small and medium-sized manufacturing enterprises.Based on the analyzing of the influence factors which affecting bank lending,P2P lending and group lending,then summarizing the basis of P2P group lending team members selection behavior and constructing a member selection behavior model;(4)Researching on the leader selection behavior of P2P group lending in the after-sales service network of small and medium-sized manufacturing enterprises.Using the analytic hierarchy process(AHP)to determine the weight of each factors that influence the leader selectionbehavior,and constructing a leader selection behavior model to determine the basis of the P2P group lending leader selection behavior.This paper provides a reference for solving the source of funds in the service transformation of small and medium-sized manufacturing enterprises.