Case Analysis Of P2P Platform Operation Mode Of CreditEase Company

With the rapid development of economy and Internet,Internet technology is gradually integrated into the financial field,thus Internet finance emerges at the right moment.As a kind of Internet finance,P2P online lending has been growing since the establishment of the first P2P online lending platform "paipaidai" in 2007.After the outbreak of China's P2P online lending platform in 2012,the number of P2P online lending platforms has reached 6399 by September 2018,with several hundred active ones.But as a result of our country related laws is not sound and the credit rating system is not perfect,at the same time in the P2P network platform of expanding loan risk has been exposed,reflects the difficulties,the boss run things more frequent,and these problems are and platform related to the improper operation,so it is particularly important to find out the operation mode suitable for China market.After systematically studying the theoretical basis of P2P network lending,this paper draws on the research methods and research results of P2P network lending operation mode,and selects the P2P network lending platform of CreditEase Company as an example.Firstly,the development of P2P network lending in China and its credit the company's basic situation is elaborated,followed by an in-depth analysis of the problems and causes of the company's operating model.This paper divides the operating mode of CreditEase Company into three types,which are the credit transfer mode.This is also the most distinctive mode of CreditEase.It is a combination of online and offline,unsecured and secured.After expounding the problems of its operation mode,the reasons for the formation of the problem are analyzed,including:fuzzy platform positioning,lack of law,imperfection of credit system,etc.Finally,these papers provide suggestions for the development of P2P network lending in China.As one of the fastest growing early P2P platforms in China,CreditEase has a typical operating model and can represent the development characteristics of the current domestic P2P platform.Therefore,this paper selects CreditEase Company as an example to analyze the existence of its operating model.The problems and causes,the related suggestions,the combination of theory and practice,have practical significance for constructing the operation mode of the P2P network lending platform suitable for the Chinese market.