Research On The Improvement Of Information Disclosure Of PPDAI P2P Online Lending Platform

P2P online lending,which belongs to the Internet financial products,refers to a kind of private micro-lending model that collects small amounts of funds and lends them to people with capital need by Internet.At present,the government's supervision of P2P online lending information platform is increasingly strict,and various mandatory requirements are put forward for information disclosure of P2P platforms.At the same time,improving the information disclosure of P2P platforms is not only conducive to maintaining the legitimate rights and interests of participating in online lending platform activities,but also helpful for creating a good corporate image of online lending platforms.Therefore,how to improve the information disclosure has become the topic of many P2P platforms.And it is an important part of China's inclusive finance.Based on the theoretical literature study,this paper introduces the concepts and theories related to P2P network lending and information disclosure.With the examples of PPDAI,first,the basic situation of paiting loan is introduced.Second,according to the characteristics of P2P dual information disclosure,the status of information disclosure is described in terms of platform and borrower.And the comparative analysis of industry level shows the level of information disclosure of PPDAI in the industry.Based on this,this paper expounds the problems and causes of information disclosure of PPADI from the perspective of its information disclosure obligator and working institution.In this paper,there are two main problems in the information disclosure obligor,which are the platform information disclosure is difficult to meet the user demand and the borrower's information does not fully disclose its solvency.And there are three problems in its working institution,which are the information disclosure responsibility consciousness is not strong,lack the feedback analysis of the information disclosure effect,and difficult to balance the dual information disclosure characteristic.And the reason is analyzed from three aspects.In view of the existing problems of information disclosure of PPDAI,this paper combines the practical experience of P2P platforms with excellent information disclosure level and relevant literature research to put forward five corresponding suggestions for improvement of the information disclosure of PPDAI,which are to optimize the information content of the platform,strengthen the quality control of the borrower's information disclosure,strengthen the awareness of the responsibility of information disclosure,pay attention to the feedback of the information disclosure effect and balance the dual information disclosure characteristics.This paper provides an individual case study for P2P platform information disclosure through the research on the disclosure of PPDAI P2P online lending platform.