Study On The Cluster Development Mode Of Network Lending

With the rise of "mass entrepreneurship and innovation",general public innovation and entrepreneurship has become a new engine supporting regional economic development.and small and micro enterprises play a leading role in the process of innovation and entrepreneurship development.However,since small and micro businesses are often in the early stage of entrepreneurship and have poor ability to resist risks.traditional large financial institutions with dominant positions have abandoned high-risk small and micro customers.As an important part of Internet finance,online lending has become an important channel to ease the financing difficulties of small and micro businesses and new start-ups.However,due to the small scale and large number of online loan companies in China,they have been in a state of loose disorder and frequent problems.In order to respond to the "double innovation" to form a multi-party participation,efficient coordination of work ideas,the need for multi-party participation in the online loan industry,in order to become the internal driving force engine for the development of the online loan industry,in order to increase the competitiveness of the online loan market,stimulate the power and vitality of the online loan market.This study firstly summarizes the existing theories and literatures on network lending,cluster theory and evolutionary game,so as to provide theoretical basis for the construction of network lending cluster model.Then,according to the analysis of the plight of existing network model,this paper on how to construct network cluster loan,introduces main body structure,double hit a net credit policy cluster of network clustering loan coordination mechanism and characteristics were analyzed,and compared with the traditional network industry difference,which illustrate the advantage of clustering model net lending industry,and by comparing the existing cluster mode on net credit cluster operation pattern choice.It is the research focus and value embodiment of this research that how to strengthen risk control ability and realize "small but not weak" online loan industry through small online loan companies' cross-regional and cross-industry clustering in the entire information space,while maintaining flexible and convenient services for small and micro enterprises.Based on the theory of cluster development,this study matches the organizational structure of online loan cluster with it.By sharing online loan information resources and optimizing the coordination mechanism of the cluster,it seeks for the improvement of the quality and brand building of the online loan service of the cluster in the competition and cooperation game between all parties of the online loan cluster.Further study showed that the net credit in the process of the gradual evolution of the spatial cluster,network credit strength of the relationship between different subjects cluster and cluster surplus there exists a significant relationship between threshold,according to the location and characteristics of each main body,choose the optimal relationship between strength,not only limited to establish strong relationship network,must build a wide range of weak relationship between organization,through effective coordination mechanism,the pursuit of cluster surplus maximization,finally realizes the network credit industry small and not weak,flexible and robust to small micro credit demand.