Analysis Of P2P Network Lending Operation Mode

At present, China's economy has stood on a new historical starting point, but it also faces new challenges. After entering the new normal,t he main task of China's economy is to seek a new growth point through innovation. Due to the low efficiency in traditional financial system of China, Internet Finance has a typical advantage of backwardness, it as a typical representative of innovation, promoting economic transformation and upgrading, providing for mass entrepreneurship and innovation, so as to promote domestic economic development through innovative entrepreneurship, to help the real economy as soon as possible to break through the bottleneck of the development in the real economy, and to bring new impetus to the development of China's economy.P2P is a new organizational form of finance,which is one of the most representative of Internet finance.but also to meet the high threshold excluded from traditional financial institutions more ordinary people's demand for funds, to achieve their ideal of life, become a useful supplement to the traditional folk lending.From 2012, China's P2 P industry appeared explosive growth, the size of the main indicators of investors?borrowers,the number of platforms and trading volume have achieved a double growth. In 2014, P2 P industry in our country still experiencing rapid development.It is dizzying that its asset development, product evolution and technology updates are very fast. At the time of the fast growth, with cash difficulties, suspension, escape with money such vicious incidents, which will undoubtedly bring a heavy blow to the P2 P industry in the development. The controversial P2 P lending industry has entered a controversial crossroads. In view of this situation, this paper tries to find out the crux of the problem from the root of the operation mode.This article selects the most successful typical case of American P2P?Lending Club, and China's case selection is Credit Ease and PPDAI, their operation mode can represent most of our P2 P platforms. In this paper, we first introduce specific types of domestic P2 P platform's business model, marketing management, risk management, pricing model. According to selected cases, we make deeply comparative analysis on these models, trying hard to find the problems of our P2 P platforms that CreditEase and PPDAI represent, summarize P2 P mainstream business model which is suitable for the long-term development in China, put forward relevant suggestions and improvement directions about the internal operation P2 P platforms.Finally make a prospect from the area of P2 P platforms development trend. Provide a useful reference for China's P2 P net loan healthy and harmonious development in the future.