Research On The Development Of P2P Network Lending Platform To Promote The Financing Of Small And Medium-sized Enterprises

The number of small and medium-sized enterprises in China accounts for a large proportion of the total number of enterprises,their survival and development have an important impact on the growth of national GDP.Financing is an important factor in determining whether they can develop healthily for a long time.However,China's small and medium-sized enterprises have been facing difficulties in financing and expensive financing phenomenon until the rise of P2 P peer-to-peer lending platform in 2013.In recent years,P2 P has developed rapidly.With its powerful data processing ability and information collection ability,it has effectively reduced the transaction costs in the financing process of small and medium-sized enterprises,improved the problem of information asymmetry,provided new ideas for the financing channels of small and medium-sized enterprises to a certain extent,and solves the financing difficulties of small and medium-sized enterprises to a certain extent,but also brought many negative effects.This paper uses the methods of literature research,case analysis,quantitative analysis and qualitative analysis to make a systematic study on the P2 P to promote the financing development of small and medium-sized enterprises,in order to better serve the financing development of small and medium-sized enterprises and provide constructive guidance for the P2 P peer-to-peer lending industry.Firstly,this paper lays the theoretical foundation for small and medium-sized enterprises and the Internet financial environment.Secondly,it analyzes the financing problems of small and medium-sized enterprises,starting from their influencing factors.Then it rationally discusses the problems and internal causes of P2 P after two rounds of shuffling by the national regulatory authorities,and gives solutions and suggestions.Finally,taking Bojin Loan as an example,it studies the positive role played by P2 P in the financing process of small and medium-sized enterprises and makes a prospect for the future.