Case Study Of The "Elite Borrowing Mode" Of CreditEase

Development of the Intermet financial has greatly changed people's way of life and investment philosophy,as the Internet the most representative financial P2P network industry,which in our country has developed rapidly in recent years,effectively solved the people and small and medium-sized enterprise financing difficult question.But since 2014,the platform into a period of rapid growth,the consequent risk problems are constantly emerging,and regulatory policies regarding P2P industry are introduced,the relevant government departments for P2P network industry supervision constantly increasing,which industry standardization gradually towards the right track.As Banks,enterprises and other kinds of capital into the P2P industry unceasingly,problem gradually enlarge the risk of industry,risk management of P2P industry and industry development prospects more and more attention in the future.At this stage,especially need a platform to do their own risk control as a reference for the whole industry successful cases.This article selects the first domestic a pleasant net credit loan platform company successfully listed as case analysis,chose pleasant credit platform,and because the company after years of development has accumulated a large amount of data and operation experience,has used its own platform of large data analysis form a mature risk control system,the user experience and acclaimed in the industry and investment security in product innovation and risk control platform achieved the level of the industry leaders.In this structure,this paper mainly includes the following several parts:the first part,this paper USES a combination of case analysis and practice,analyze pleasant credit management status,including pleasant credit platform background,main products,in the role of the whole enterprise group,business processes,business model,profit model,risk control,etc.The study found that the delightful credit platform is taking is creditor's rights transfer of business model,through the platform inside the large data of risk control system to review the borrower credit rating coefficient,strictly controls the risk reserve management platform,to protect the interests of the investors did very good.In the second part,analyze the pleasant P2P loan business,including?anagement,guarantee the application and role in the formation,creditor's rights transfer,etc.,in addition,through the platform in other good product and industry development,comparing different other representative platform business model analysis,found that pleasant credit company specific advantages and disadvantages,in this part,also points out the pleasant in the process of business may face the risk of loan.In the third part,some countermeasures and Suggestions are put forward for the risk of pleasant loan.Mentioned in this section,a summary of research,found that pleasant credit platform still exist some disadvantages,platform of liquidity risk,asset securitization can improve the platform within low rating borrowers caused the increase of bad debts rate represents a significant proportion of lending both sides of the problem of asymmetric information,etc.,after an in-depth analysis of the problem,put forward the corresponding opinions and Suggestions,hoping to help platform to reduce the rate of bad debts risk control level,in order to improve the platform can help companies better development.