Comparative Study Of Peer-to-Peer Lending Business Model And Risk

Since 2007 P2P net loan was introduced into the country and has been in nearly a decade's time.During this time P2P net loan made rapid development,there has also been a lot of problems.For many scholars of net loan industry problems a lot of analysis and made many valuable suggestions.Based on these analyzes,this paper from another perspective,that is the angle P2P mode of operation of our analysis of this issue,and trying to run the risk of facing the P2P net loan business model to carry out a detailed analysis of this issue make a simple answer.In the course of the analysis,first set out the main business model of net loan platform stage and the main risks faced,and the risks faced by different modes were analyzed and compared.Then,comparative analysis on the instance it will be China's net loan industry,a set of samples.First,the various modes of analysis platform in net loan industry in proportion to the platform in different modes specific development status of China has an intuitive understanding.Secondly,the idea of "internet day trading volume" and two important indicators "Platform lending rates," the risks faced by different modes platform will be a general comparative analysis,which impact on the mode of operation of the platform risk approach,as well as different modes platforms the size of the risks have an understanding.Finally,through the establishment of a risk scoring model,net loan platform of risk faced by a quantitative,specifically compare the risks of different modes platform size.Finally,a number of risk prevention on the basis of recommendations of a series of analyzes on the article.