Research On The Development Of P2P Lending In Hebei Province

P2P lending platform is an information exchange platform directed by internet technology,which provide a financial service for who is in shortage and who is in surplus.It was born in the UK in 2007,since then it has been through China gradually and played a role in Chinese financial marketing.By the end of 2016 there is accumulated more than 4686 registered P2 P lending platform and the turnover reached 1.7 trillion yuan.However,all kinds of hidden risks has been gradually exposed along with the rapid growth.In order to standardize the Internet financial industry,a series of regulations on Internet financial has been issued by China government,which building a well environment for its operating stably and healthily.Also,China's Internet Finance Association has been established for further normative development.Hebei devotes itself to promote the development of Internet Finance as to keep pace with national internet financial development strategy.This paper reviews the development history of P2 P lending in hebei province,describes objectively the achievement of the P2 P lending in hebei also reveals the problems.In the aspect of stakeholder theory,some countermeasures and suggestions would be put forward,in order to give some support for the development of Hebei's Internet,from the perspective of internal or external stakeholder,which is about the healthy development of internet financial industry in Hebei.This paper will also play a positive role in the development of Chinese Internet Finance industry.In this paper,the research idea is as follows:The first part: introduction.This paper mainly introduces the background,significance,research contents,methods and innovations of the study.Then it also makes a sound analysis and exposition of the relative literatures about P2 P lending at home and abroad.The second part: The development of P2 P platform in Hebei province.This part mainly introduces the development history of P2 P lending platform in four stages in hebei province,consisting of starting,rapidly developing,risk exposing,rationally developing.This paper also gives details to the development course and current situation of P2 P lending platform in hebei province from the development scale,development mode and regulation system three aspects.The third part: Analyzing the existed problems of P2 P lending in Hebei province.This part will analysis deeply main problems existed in Hebei P2 P lending industry from the perspective of internal or external stakeholder so some countermeasure and suggestion will has its basis.The fourth part: Analyzing the typical cases of P2 P lending platform.Through the case analysis,comparing the well-run P2 P lending company(Lu Jin)to the bad-run company(e-zubao)about operation mode and risk management,some enlightenment can be got then we can give some references to the steady and healthy development of the P2 P lending in hebei province.Analyzingthe Hebei Province typical P2 P platform-the letter online.Through the case analysis,get the experience of inspiration applied to Hebei Province P2 P lending.We can some references to the steady and healthy development of the P2 P lending in hebei province.The fifth part: The countermeasures and suggestions to the healthy development of the P2 P lending in Hebei province.According to the above analysis,put forward some countermeasure s and suggestions to improve the Internet financial development in Hebei province.From the perspective of stakeholders,the paper brings forward some reasonable opinions to the Hebei's P2 P lending further development,which bases on P2 P self-supervision and industry development.