The Research Of Associated Factors And Developing Strategy Of P2P Lending Transaction

P2P lending is a new network lending patterns,which is based on the internet and with platform as the intermediary.The P2 P lending was first set up in the UK,and the paipaidai founded in 2007,which marked the P2 P lending appeared in our country first.Up to now,the P2 P lending have experienced seven years.P2 P lending opened a new road in the financial by meas of the development of the internet and the advantages of traditional china folk lending.P2 P lending,as a form of financial innovation,played an important role,not only for the small and medium-sized enterprise financing,but the personal finance.The low transaction success rate is troubled the P2 P lending transaction development at the present.So the main purpose of this study is to exploring the related factors which influencing the P2 P lending transactions,and starting from these factors to provide valuable suggestions for the development of the P2 P lending,which combined with the emerging issues of P2 P lending presently.At first,this paper make the understanding of P2 P lending got deeper to deepen by introducing the development of P2 P lending both at home and abroad.Moreover,this paper found and analysis the related factors of P2 P lending by building the game theory model and binary logistic model.At last,this paper put forward the proposal for the development of P2 P lending from the two aspects of government borrowing and P2 P lending itself.This article points out that it is imperative “to guarantee”as for its own development in the future development of P2 P lending.However,the platform also should pay attention to the platform’s own management and raised letters at the same time of “to guarantee”.The government should put forward the corresponding management policy,which not only it is good for the development of P2 P lending,but also has a lot to guarantee the stability of our country’s financial order.