The Research On P2P Lending Platform With Asymmetric Information

With the rapid rise of China's economy,Internet finance has gradually entered the public life.The importance of P2P is obvious,that is,it has the advantages of small loans,quick procedures,flexible loan terms,and low threshold.At the same time,the inclusive financial concept has been applied significantly in this financial model.Its rise is a benign supplement to the traditional financial industry,and it is increasingly favored by SME financiers and investors.However,the shortcomings of this market have gradually emerged,that is,the stability is low.Because the current P2P network lending platform is affected by the mode of operation of the intermediary,investors,platforms and borrowers can not achieve information equality,that is,Ponzi schemes such as fraud and running are endless,threatening the healthy development of the Internet finance industry.This paper takes P2P network lending platform as the research object,based on the relevant theoretical research on information asymmetry,combined with the development status of P2P network lending platform,through the restoration of the Ezubao event,the reasoning and analysis of the business generated in Ezubao management risks,credit risks,operational risks,liquidity risks,and legal risks,resulting in imperfect regulatory systems,lack of credit guarantees,immature industry self-discipline,and chaotic management of platform funds,which are the cause of problems in the P2P online lending platform.Put forward corresponding improvement suggestions from various angles to promote the healthy development of China's P2P industry.