Research On Interest Rate Pricing Of P2C Network-lending Platform In China

In recent years,with the rapid development of Internet technology,the traditional financial pattern under the support of new technology constantly changes.Internet financial mainly including the third party payment,online lending,large data such as financial model.The P2C(Person to company)network lending is a popular type of Internet finance model,which is the mode of investment and financing through online loan platform between individuals and enterprises.P2 C credit use the Internet for both effects,which provides direct trading platform,which reduces the financing cost and improve the efficiency of the financing,to a certain extent,ease the small micro enterprise financing difficult financing of your problem.Therefore,the P2 C online lending model has shown a strong vitality since its emergence,which has attracted wide attention from the industry and investors.Interest rate pricing has been the core issue of P2 C lending,which not only affects the financing cost of small and micro enterprises,but also affects investors' income.Therefore,it is very important that the interest rate pricing is reasonable for the stable development of the online loan platform.First combed the domestic and foreign research results in the P2 P network factors that influence the lending rate of roughly include borrowing deadline,loan amount,credit rating,etc.,provided direction to the research in this paper,and then through the analysis of Internet finance related theory,asymmetric information theory and interest rate decision theory,the specific rates further the theory basis of influence factors.Secondly,this article selects Win Win financing platform for case analysis,combined with empirical study of P2 C net lending we can draw the following conclusion about the major factors of interest rate pricing including the loan period,repayment method,guarantee way,risk level and the enterprise type.Finally,Suggestions are made from four perspectives: government,online loan platform,borrower and investor.In order to provide a certain reference for small and micro enterprises to improve the financing situation through Internet finance.