Research On The Problems And Countermeasures Of Banna 's Pony In

XIAO BANK using P2P mode, the XIAOMA BANK appeared in the running process of a small number of lenders, the slow sales of the borrower and the structure of a single borrower, repayment methods and deadlines can not fully meet the needs of other aspects of the problem. In this paper, the above problems through quantitative research, case analysis and other methods to explore the causes of the above problems, and propose solutions to these measures.This paper first introduces the development of the P2P industry, which shows that the XIAOMA BANK as the banking system P2P platform ushered in a better industry development opportunities. Then through the analysis of the business development of the XIAOMA BANK, and the relevant data and domestic well-known P2P platform for comparison, found that the main reason for the problem of the XIAOMA BANK:1. the standard of the type of a single; 2.capital flow speed is slow; 3.the low investment efficiency.4.annual yield is low, annual income 2% lower than the industry average.At last, combining with the practical work, the counter-measures are put forward:l.To expand the business type. Business loans based on the original Small and micro businesses on the development of personal consumer loans, small business loans, bills, bridge business and cooperation with third parties to carry out other types of business; 2.the original credit technology fine promotion, using analysis methods and different methods for long-term loans and short-term customers, new development the maximum amount of credit business, through these methods suitable for short term continuous mining, a one-time debt repayment customers; 3.through technical means to improve cash flow speed and efficiency in the use of funds, the creditor’s right transfer way to solve the financial customers on the short-term demand for products, ensure liquidity; through the collection of the financial targets, for a certain period of time and packaged into financial products, to ensure the efficiency of complex investment customer funds.