| Recently, in the process of economic development of China, a large number of small or middle enterprises come up with the difficulties of lending money and broken capital chain, which leads to the hard operation for many private companies. What’s more, personal consumption group also requires capital. However,commercial banks do not make loans and the folk usury asks for higher interest rate. Furthermore, on the one hand, the financing channel is narrow. On the other hand, a lot of people have idle funds and no investing opportunities. Social resources have not been made full use of. Under these circumstances, peer to peer lending platform have appeared.As a new form of internet finance of China, P2 P lending platform model increases the flow of social capital to the entity economy, and makes the rational allocation of social resources. However, due to the lack of supervision of law and regulations of government, many P2 P lending platforms close down or run away. Moreover the weakness of this model turns up. Various risks gather and seriously affect its development and social safetyThe emphases of this article is to study the operation and process of domestic P2 P lending platform, learn from the successful experiences of European and American modes, optimize P2 P lending platform model in our country,implement the scientific internal and external control, guard against all kinds of risks and improve operational efficiency. Some countermeasures and suggestions are put forward to better serve the Chinese economic restructuring and development. |
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