| With the opening up of China’s financial market, the competition among banks will become increasingly fierce.Accelerate the process of marketization of interest rates to make the financial industry is facing the development trend of freedom and marketization. Meanwhile, with the continuous development of Internet technology, such as the rapid development of Internet banking P2 P network of commercial banks lending has brought opportunities as well have had a great impact.It has some significance for commercial banks to participate in P2 P network lending research. This paper briefly describes the current situation of domestic borrowing on the basis of the development of P2 P networks, combined with the problem currently facing the development of China’s commercial banks, analyzes the P2 P network commercial bank lending to business, customer resources, three aspects of competitiveness brought opportunities, while also four commercial banks operating philosophy, business model, revenue model and the role of financial intermediaries challenges.Through SWOT analysis method, China’s commercial banks in the P2 P network lending external factors, noted P2 P network of cross-border lending of commercial banks need to have a certain degree of profitability of capital, technology and risk prevention capacity, and to set up their own infrastructure and business scope to regulate. P2 P network lending commercial banks to participate can select a different path in terms of participation in business model, customer orientation, pricing, cost recovery methods. Based on currently available bank lines P2 P net loan platform analysis shows commercial banks P2 P net loan business has good prospects for development.Finally, from a regulatory agency, P2 P network lending market, commercial banks three angles commercial banks raised lending P2 P network specific implementation recommendations, which commercial banks to better carry out P2 P network lending some help. |
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