Research On Transformation And Development Of T Company In P2P Network Loan

The first Peer-to-Peer network lending was established in 2007,which initiated a new model for the development of Internet finance in China.However,there are some P2 P network lending companies announce with ex-ordinary interests,claimed stable and reliable,even forge loan projects to attract numerous investors with the rapid development of P2 P lending.Eventually they absconded with the money for lacking of industry standards,low market access threshold and inadequate supervision.With the aggravation problems emerging in recent years,the supervision authorities issued several relevant documents to require strengthen the renovation in 2016.In 2018,it takes the liquidation and transformation as the main purpose,which shall under the supervision of relevant authorities.In the context of stringent policies,this paper will analyze the current situation of network lending industry and the changes of industry that may happened,and given some advice on the transforming.Based on literature review and case analysis,this paper combining with the relevant theory and strategic transformation network lending related theory,researches the present situation of the P2 P lending industry,as well as giving suggestions of the transformation after analyzing the studying the specific products of the T company such as business situation,customer situation,etc.The research of this paper also has certain practical sense for the current transformation and development of P2 P network lending industry,and expects to provide reference for the transformation and development for other P2 P network lending enterprise.