Research On Development Issues Of P2P Network Credit Of Yixin Company

P2P network credit is a kind of internet financial model. With the rapid development in recent years, it has become an important approach of the folk lending, it has become an important way of private lending.Through the P2P network credit platform, the domestic micro‐enterprises will be lower financing costs for funding, and have invested a lot of money people can get higher returns, so increase the value of their wealth and effectively solves the difficult of our country folk capital investment and small micro‐enterprise financing. To a certain extent, it makes up the blind spot of bank credit.In recent years, with the deepening reform and opening up of China,the PBOC have tightened the monetary policy, coupled with the continued favorable for investors, China’s P2P networks credit industry has made great development. Though the P2P networks credit industry has made great achievements, but also have a series of problems. They lack of self‐discipline, the CBRC supervision are still in their infancy and also lack of proper laws and regulations. These have hindered the further development of P2P networks credit industry.Given the importance of credit in P2P networks and the bad situation of P2P networks credit industry,it is important to study the present situation of P2P networks credit industry and find out the obstacles of P2P networks credit industry development.and the protection of its normative development.Firstly, several aspects of P2P networks credit will be elaborated. The meaning of these aspects include credit P2P network, the size, characteristics, etc., which are helpful to understand the current situation of P2P network credit. Secondly, it introduces the typical P2P networks domestic credit companies‐Yixin. From the development process, the scale of development, the size of credit and other aspects of the company. Yixin should be analyzed and drew the problems, and then compare with the mode of operation of foreign credit mature P2P network platform. We have a comprehensive analysis of these models which have the advantages, and then pointing out the aspects of the company which should be able to draw on the letter. Finally, give suggestions of further development to Yixin company. Firstly, the development and use unified credit evaluation standards, sharing the information. Yixin company should cooperate with credit companies and other P2P networks credit companies and make discussions on a wide range of credit evaluation standards, and to formulate a unified credit evaluation criteria P2P networks credit industry. Each credit P2P network platform to use this standard ratings, to establish their own customer credit evaluation system and the customer’s credit information should be shared each other; secondly Yixin company should strengthen risk control, their transparency and construct qualified personnelWe can actively explore the future development trend and lay a good foundation for the research of further standardize and develop of the industry.