The Transformation Of P2P Online Lending Platforms Based On The Perspective Of Inclusive Financial Development

As an innovative internet financial service platform,P2P(Peer-to-Peer)online lending has rapidly promoted the development of inclusive Finance in China.However,in the development process of P2 P online lending,there are also some problems such as platform role deviation,institutional function alienation,industry credit difficulties,which lead to a large number of platform shutdown,withdrawal,cash difficulties and bankruptcy.At the same time,the external regulatory authorities have pointed out two ways to develop the platform-compliance transformation and retreat.Therefore,it is particularly important for the platform to find the way to realize its own transformation.In this paper,three typical P2 P platforms are selected to introduce their products,and the inclusive characteristics of products are analyzed based on the long tail theory.At the same time,we use the data of the platforms published by the wangdaizhijia.com.This paper studies the overall inclusive degree of the platform in the process of compliance transformation.Through the comparative analysis of the three platforms with different compliance degrees,the paper studies the problems existing in the operation and transformation and the worth-learning experience,which provides a reference for the platforms to find industry benchmarks and explore the road of transformation,and also puts forward suggestions for regulatory policies.The conclusions of this study are as follows: for platforms with high compliance,they should continue to follow the trend of regulatory policies,maintain the advantages of compliance,and rely on big data technology to enhance core competitiveness,while playing the leading role of head platform,striving to seize the new opportunities of overseas listing;For platforms with difficulty in compliance transition,the first priority is to transform the platform into compliance,and continue to promote bank deposit management,and strive to enhance the transparency of the platform.At the same time,regulators need to use advanced technology and cooperate with industry self-regulatory organizations to supervise and help P2 P online lending platforms in real time,dynamic and multi-level.