| Over recent years, as network globalization develops, P2 P network lending came into sight both on domestic and foreign financial markets. Since its emergence in 2005, it greatly changes traditional financial lending pattern with its rapid development, and thus claims our highest attention. P2 P network lending provides its users with simpler, faster and more convenient loan services compared with traditional financial lending pattern. What’s more, it to some extent solves capital shortage faced by medium and low-income population. These are its advantages the traditional one does not possess, and the exact reasons for its fast development.However, up till now, both in China and developed countries, P2 P network lending is confronted with a low success rate, which restricts its healthy development. Since last year, China’s economy has entered the ―new normal‖, heading towards a phase in which the form is more advanced, the division of labor is more complicated, and the structure is more reasonable. Under such circumstance, we cannot help but ask, what exactly causes the low success rate ? How are the factors which influence the availability of network financing evolving? And how to effectively improve the financing availability of P2 P network lending? These are the focuses of this paper, and therefore comes the research on the improvement of the financing availability of P2 P network lendingBy collecting and organizing relevant materials, case analysis on peer-to-peer lender will be conducted, to get a deep understanding of how P2 P network lending is serving the capital need of individuals and small businesses. Through both lateral and vertical comparison, this paper will concentrate on finding out the factors which lead to the low success rate of P2 P network financing. By means of combining theoretical study and empirical study, effective methods to these problems will be brought up, along with which are some feasible suggestions for supervision and system design of China’s P2 P market. |
