| P2P,the online lending of money to a person or organization by a group of unrelated people who each commit a relatively small amount。The first P2P enterprise was set up in UK in 2005。The usual business model of P2P enterprises is the enterprise works as a platform,the borrower and the investor then negotiate about the rate of interest and the enterprise charges fee for its service。The first P2P enterprise in China comes into existence in 2007。Then there came a fast increase in numbers in 2012。Since there are huge differences between lending habits and folk traditions,P2P has evolved into many unique characteristics in China。While experiencing high speed of development,however,companies disappearing with money,chicane,Ponzi scheme,financial difficulties were reported from time to time,causing investors suffer huge loss。This article is dedicated to analyze the status of different countries and in China,the developing status in China,chief business patterns,the P2P trending tendency,and its internal and external dangers。Of all the business patterns,S company has chosen the 020 pattern,with its wholesome and unique venture management system,arithmetic valuations,post-lending management,and keep the bad lending incidents at a low level,which gains the favor of lots of investors。Thus,it is worthwhile to study its pattern and latest developing situations of this industry,analyzing laws and policies,to provide personal suggestions and some advice for the healthy development of the industry。... |
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