XX Finance Holding-P2P Lending Products Design Research

In recent years the concept of Internet banking spreads like a storm, the rapid growth of the scale don’t let various capital actively participate in, also caused severe vibration in the traditional financial sector. XX financial Holding is the Guangzhou local financial holding platform, Under the impact of the wave of Internet banking, basing on rigorous and pragmatic attitude, standing in the height of the group’s strategic development, Yuexiu financial holding tries to integrate its affiliated enterprises to establish P2 P net lending platform.As an important representative of Internet banking, in the case of absence of government regulation and the low level of entry threshold. Began from 2013, the P2 P network lending platform started to show a trend of explosive development. With the extension of P2 P net loan business, the platform is not only the information intermediary of debtor and creditor, but also committed to provide investors with a variety of financial products with higher income than bank deposits, the product is increasingly rich. From the transfer of corporate debt to the stock allocation, In the asset side, P2 P net loan products almost covers all of the under-line traditional financial assets.Due to the lack of professional financial knowledge,ordinary investors just focus on the high-yield product and cannot effectively identify high-risk behind those product. At the same time, the uneven development of P2 P net loan industry causes frequent risk events.This article bases on the construction of the P2 P network lending platform of affiliated enterprises of Yuexiu financial holding and the analysis of the respective role of small loan companies, financial leasing, and commercial factoring companies in P2 P net loan products and the analysis of risk factors of the p2 p net loan products,also on the arrangement of characteristic products and running platform mode of operation of P2 P net loan industry.This article puts forward some advice for reference to identify the illegal absorption of public deposits and illegal fund-raising platform.In the wave of Internet banking, P2 P network lending platform experienced a brutal growth, In the recent years, the establishment of the government regulatory police and the strengthening of industry self-regulation must bring the new development to P2 P network lending platform once again.