The Analysis Of The Bussiness Model Of P2P Network Loan In China

Internet finance in China is developing rapidly,P2P industry has been the development of attention.The industry’s development rate is almost more than any domestic industry.Although the P2P industry has many problems,such as:regulatory lag,the platform set up funds pool,etc.,but the industry has an important impact on the national economy is a small micro-enterprises and individuals to finance a fast channel,To a certain extent,to speed up the accumulation of funds to increase the scale of financing,reduce financing costs,to solve the problem of information asymmetry.At present,China has become the world’s largest P2P market.With the "Chinese characteristics" P2P network loan has changed the typical model of P2P loans.On the one hand,the industry’s leading companies to do better and better;the other hand,due to regulatory lag,leading to the development of the industry chaos.In this case,"Ju You Cai" was established on May 20,2014.The platform’s business model is a combination of online and offline,and it is also the first platform to realize bank custody.This article through field research and other methods to collect data and data,sorting analysis.The research contents include the business model,internal wind control and profit model of P2P platform both at home and abroad.On this basis,the advantages and disadvantages of the case are analyzed,and the suggestions are put forward to provide suggestions for the decision makers.