Research On Models Of National Joint-equity Commercial Bank’s Participation In P2P Lending

Internet banking is a new thing in the capital market of our country,there are many kinds of internet financial models and types.Since the last three years,P2P network lending platform as a typical model of Internet Banking split loan customers of the traditional commercial bank loan customers,gradually eroded the national joint-stock commercial banks in the market and profit space.National joint-stock commercial banks will need to participate in the development of P2P network lending platform for market and customers,and high-quality P2P network loan platform to carry out cooperation,to maintain stable and healthy development of China’s loan market.As a typical model of Internet Finance,P2P network lending platform for the development of history and the future trend of the Internet in the financial model is representative.In this paper,through the study of the characteristics of the P2P network lending business,the current situation of the traditional loan business of the national joint-stock commercial banks is analyzed.It induces the feasibility and necessity of the current national joint stock commercial banks to participate in the P2P network lending business in scientific theories and analytical methods.For national joint-stock commercial banks to participate in the P2P network lending platform in the future,it provides useful references in compliance of operational risk and operability of system design.It aiso analyzes the delineation of the extent and mode of national joint-stock commercial banks to participate in the P2P network loan business,the system model and the risk point of the design of a national joint-stock commercial banks managed P2P network lending funds.This is not only conducive to the development of small and micro enterprises,but also enrich the investment channels of investors,and promote the development of domestic commercial banks to follow the business.P2P platform and investors are very low barriers to entry,risk control awareness is weak,illegal costs far less than illegal income.The lack of professional supervision system and access system of P2P network borrowing platform,and the lagging of the credit evaluation system,reserve system and pledge system of the supporting business,have determined that the current P2P platform for cooperation and development of the entry point should be set for the P2P loan funds custody business.In the course of cooperation between commercial banks and P2P network lending platform,in order to avoid illegally absorbing public deposits and money laundering,P2P network lending platform only serves as an information medium and does not participate in the operation of funds.Borrowing and repayment should be manifestations of both sides’The transfer of funds by the custodian bank only follows the terms of the contract between the borrower and the borrower.