Status And Countermeasures Of The Development Of The Banking System Online Peer To Peer Lending Platforms In China

In 2005, the world's first online P2P lending platform Zopa was born in England. In the later years, there are so many online P2P lending platforms appearing around the world, such as American Prosper, Lending club and Kiva. Based on the foreign countries' experiences, CreditEase was born in our country in 2006, and since then, the online P2P lending platforms get into a skyrocketing trend. According to Wangdaizhijia's statistics, the number of our country's online P2P lending platforms has reached 1575, but the problem platforms also reached 367. And Lending Club has been listed on the New York Stock Exchange in December 2014, which is the first listed online P2P lending platform in the world.In 2014, with the impact of the internet finance, our traditional finance started to enter into online P2P lending industry. The appearance of the banking system online P2P lending platforms adds the formal elements to the complicated online P2P lending industry, and by the advantages of risk control and business capability, the banking system online P2P lending platforms occupy a favorable position. But, as a new thing, the banking system online P2P lending platforms also have many questions.Firstly, with the relevant theory and facts, the thesis studies the reason of the appearance of the banking system online P2P lending platforms. Secondly, by the means of statistical analysis and case study, this thesis researches the operating performance, risk control and business process of the 14 banking system online P2P lending platforms. Thirdly, this thesis analyses the business model, risk control and information disclosure of the successful foreign online P2P lending platforms, such as the Zopa, Lending Club and Kiva. Fourthly, this thesis makes comparisons between the foreign online P2P lending platforms and our country's banking system online P2P lending platforms, and finds the questions of our country's banking system online P2P lending platforms. Lastly, this thesis put forward many proposals for the questions of the banking system online P2P lending platforms.