Research On The Development Of P2P Network Lending Enterprise In China

With the deepening of the impact of Internet banking on people’s lives, the emerging financial services model. P2 P network lending enterprise is one of them.P2P network lending enterprise as a new model of financial services, on the one hand to effectively solve the problem of small and medium-sized private enterprises financing difficulties,to make up for the traditional bank microfinance business vacancy. On the other hand, will absorb to social idle funds through the platform enterprise lending to the lender, increase the efficiency of capital allocation, killing two birds with one stone.This emerging financial services model has just emerged to show its strong momentum of development, the transaction amount and the user has increased year by year; at the same time, the problem is gradually emerging operations.According to the collected information and data on the status and problems in our P2 P network lending enterprise for preliminary analysis, find out the possible factors that affect its development; through factor analysis method of P2 P network lending enterprise of each index empirical analysis, to find out the influence of the development of important factors; finally, based on the outstanding foreign experience in the development of the industry, put forward some suggestions for the development of our P2 P network lending enterprise.First, through to understand the present situation of our P2 P network lending enterprise,combined with the domestic and foreign scholars on P2 P network lending enterprise theory research and empirical research, the P2 P network lending enterprise are defined. At the same time,according to relevant literature and data were collected, summarized and sort out our P2 P network lending enterprise background, development process and main characteristics.Secondly, according to the analysis on China P2 P network lending enterprise distribution,transaction status, operation mode, risk control and external supervision of the collected data and the information, and according to the main problems in China’s P2 P network lending enterprise’s existing development status, universality and examples of the data or the problem; and then according to the existing problems, determine its influencing factors; then according to the index,the related data of the collected 90 Chinese P2 P network lending enterprise is analyzed. Finally,combined with the current situation of foreign P2 P network lending enterprise, draw lessons from its development experience, combined with the conclusion of the impact factor analysis, put forward the feasible countermeasure and suggestion to the development of P2 P network lending enterprise in our country.