| At present,the development of domestic P2 P online lending industry is gradually mature,and the development scale of the platform tends to be stable.Although problem platforms still exist,most of them are existed on small and short established P2 P platforms.For most of the platforms in the industry,their risk identification and assessment capabilities and risk management systems have been relatively improved,but the operational efficiency of the platforms is high or low.As one of the five P2 P platforms listed in the United States,hexin is a successful P2 P platform operating in China's P2 P online lending industry.Therefore,it is representative to study the risk appetite and operational efficiency of HXD.First of all,this paper describes the background and significance of the case study,the research status in domestic and abroad,and the relevant theories used in this paper;Secondly,it introduces the online lending industry and HXD.The industry mainly introduces the innovation mechanism of P2 P.The company mainly introduces the ownership structure,department composition and personnel distribution of the platform,as well as the business type and product structure of the platform.Finally,the case study is conducted from the two aspects of risk preference and enterprise operation efficiency.The research on risk preference is mainly conducted from the product level,the company level and the industry level,while the research on enterprise operation efficiency is mainly conducted from the three perspectives of economic benefit,ecological benefit and social benefit.Through research,the current level of risk appetite of HXD is in a relatively appropriate state,and the operation is relatively efficient.Its business philosophy and management mode have some suggestions for the healthy development of P2 P online lending industry.Through the case study on the successful operation of HXD,this paper draws relevant experience and inspiration from both the internal platform and regulatory agencies. |
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