| In recent years,with the rapid development of the Internet finance and the rapid progress of marketization of interest rate,Chinese online lending platforms are showing a good momentum of development.In order to seek long-term development,commercial banks have to test the P2 P online lending. Commercial banks have participated in the P2 P online lending market, on the one hand, it is conducive to the transformation and adjustment,increasing the richness of the banking business,deepening the explore of commercial banks of the Internet Bank. It is also good for the development of commercial banks in the field of Internet banking in the future,it is a good chance to accumulate experience. It is useful to expand the influence of the bank and enhance the competitiveness of the bank.On the other hand, the development of commercial bank lending platform online can meet the demands of loans small and micro businesses, it is helpful for the development of micro-credit.This paper first provides an overview of commercial bank P2 P online lending,it involves the definition, the main models, platform features,development advantages and strategic significance.Then it begin to analyze the development status of commercial bank P2 P online lending,combined with the volume size,the interest rate of products,the popularity scale,the number of platform,the development index rate and so on,then compare the commercial bank P2 P platform with other platforms,then analysis the characteristics of commercial bank P2 P online lending at present.Based on the analysis of the current situation,find out the problems existing in the commercial bank P2 P online lending.It includes the internal and external problems, the internal problems involve the business conflicts,less attention on customers,little innovation,talent incentive mechanism is not perfect and credit disclosure level is not high.External problems are derived from the imperfect legal system,the social credit system is not perfect,and the competition in the same industry.In order to understand the specific development of commercial bank P2 P online lending,this paper selects a typical representative — Minshengyidai to make a detailed case analysis, especially focuses on the operation and the transformation.Finally, in view of the problems existing in the commercial bank P2 P online lending,combined with the specific case analysis,this paper proposes some suggestions to improve the development of commercial bank P2 P online lending. |
