Pony Financial P2P Platform Operation Status And Problem Research Report

P2P network borrowing is a kind of individual lending behavior independent of the formal financial institution system.The industry has made rapid development in just a few years.However,due to the imperfect supervision,P2P lending industry in the process of rapid development has also exposed many problems.The investigation report of the basic situation,the XIAOMAJINRONG platform development process,present status and credit operation mode,combined with the current development of the industry,compared with three domestic financial P2P net loan industry sample platform in the business model and operating conditions on the difference that exists in the operation of XIAOMAJINRONG problems.The study found that in the course of the operation appeared some problems such as XIAOMAJINRONG and industry-leading platform compared to the existence of a single type of subject matter,poor liquidity,the subject of repayment of a single,the subject of low yields and other aspects of the problem..In view of the above problems puts forward some improvement suggestions for the future development of the platform:on the basis of the original business,various types of objects,such as developing college students installment loans,housing loans;improving liquidity,try to transfer of creditor's rights;meet the needs of different users,providing flexible standard repayment;the application of the new Internet technology to enhance the user experience and level of risk control platform;at the same time the need for rectification according to the new regulatory requirements.