The Research Of Commercial Banks Building P2P Lending Business

In recent years, computer technology carrying forward in a wide range,behaviors like transaction, pricing and term correspondence in the traditional financial activities were simplized by the internet at the same time some brand new technology,such as big-data, cloud computing, platform construction were created which bring all kinds possibility to a much accurate, convenience financial service. Under the circumstances like this, the Internet finance comes into being and gives birth to a lot of new form of business, in which P2 P is especially worth mentioning. Peer to peer lending treats the lending, a traditional financial service, as entry point, via constructing internet platform and taking advantages of it on the purposes of precise exchange, catering for the needs of small and micro party in the market, and meet the needs of those in the market. Due to the accurate financial service conforms to main trends of the social economy; it’s pretty impressive both on the scale and quantity.Meanwhile, the form of traditional bank business were challenged by the newly-developing industry, the traditional bank were forced to paying close attention to the needs of small and micro market。This paper discusses the definition of P2 P lending platform and existing development pattern under the background of the rapid development of the P2 P lending. Choosing Lufax, GKKXD and Little Horse Bank as typical cases, this paper interprets the content and the characteristics of the existing P2 P lending business of commercial bank through the study of these three cases. This paper also compares the differences between bank P2 P and traditional lending business, bank P2 P and non-bank P2 P lending business. The conclusions are as follows: compared to traditional lending business and non-bank P2 P lending business, bank P2 P lending business has better performance in the aspect of credit guarantee, risk control and scale economy, but they also has problems of cash flow and system risk. Finally, in order to solve these problems, this paper puts forward suggestions in business model,pricing and risk control for bank P2 P lending business.