Research On Commercial Bank Of Our Country Set Up P2P Network Lending Platform

With the advancement of market-based reform of interest rates,financial disintermediation trend continues to deepen,pratt&whitney financial policy landing in succession,the concept of "Internet + financial" innovation steadily,together with the rapid development of the P2P industry,the traditional Commercial Banks face the pressure of competition is unprecedented,so our country Commercial Bank urgent need to make a transformation and adjustment.Commercial Banks in China to participate in building P2P network platform,on the one hand,to improve their competitive power,to earn profits;On the other hand,is beneficial to solve the problem of financing difficulties of small and medium-sized enterprises,at the same time widened the investment channel of the middle class and wealthy.Therefore,the study of Commercial Banks to participate in P2P Network Lending Platform has a certain significance.Firstly,this paper analyzes the present situation and problems of the P2P platform development in our country;Secondly,by PEST analysis,Porter five model analysis and SWOT analysis,it is concluded that China's Commercial Banks to participate in the path of the P2P lending platform choice:Set up its own network of P2P lending platform as soon as possible;Make the independent brand,to become a leader in the field of P2P;Strengthen research and development of science and technology to improve the quality of service.Then according to the operational performance of the current banking system P2P platform,summarizes the generality and problem of the existing banking system P2P platform.Finally,the paper from two aspects of external policy and commercial Banks own construction to put forward the Suggestions and countermeasures,external policies include:First,strengthen the supervision of regulators;Secend,improve laws and regulations;Third,improve the social credit system;Fourth,improve the laws and regulations.Commercial Banks own construction include:First,giving full play to the advantages ofCommercial Bank itself;Secend,use the big data technology to construct risk control model;Third,improve customer evaluation mechanism;Fourth,draw lessons from foreign advanced experience;Fifth,improve science and technology strength;Sixth,introduce professional talents and pay attention to the cultivation of talents.This paper puts forward the route choice and related Suggestions of our country Commercial Bank participate in P2P network platform,which can help Commercial Banks to improve the market competitiveness and enhance profitability.