Research On The P2P Loan Network Profit Model

With the "Internet +" in constant use, P2 P lending industry spontaneously. Since 2007 the United States P2 P net loan on-line, worldwide Internet banking will be gradually improved and developed in the form of models for the promotion of the role of the economy is very obvious. In China, investors refer to foreign successful experience, the development of P2 P lending platform, once on-line will be subject to the general sought after individual users and business users, to a certain extent, expand financing to solve the traditional private financing, financing costs high problem, the internet business platform will be able to borrow, do not release the banks involved in financial operations, eliminating many complicated issues, but also to fill the traditional financial institutions and private credit shortage, this form of recognition by the public.Through the study of the profit model of P2 P net loan platform, this paper finds out the deficiency of our country in this field, based on the relevant research results at home and abroad are summarized. And to provide support for the follow-up research;, through the P2 P network loan industry related concepts of subdivision, conducts the research from the concept, characteristics and categories, provide a theoretical basis for the analysis of the profit model; According to the fourth part of the discovery of the problem, propose solutions; the sixth part, through the research, the future development trend of P2 P net loan platform is summarized;In the continuous development of Internet financial background articles domestic profit model as a research platform focuses on the application of the comparative method to analyze the difference between domestic and international platform to analyze the business model is based differences in profitability, find our P2 P insufficient development of the platform, and then from risk, given the perspective of responses to earnings P2 P lending industry, so as P2 P network lending industry in the right direction provided valuable experience.