Analysis Of The Problems And Countermeasures Of The P2P Lending Platform

In recent years,the P2 P lending as a new kind of folk lending form a huge development,which become the most popular industry investment and financing channels.It is to provide funds to help capital demanders.P2 P net loan industry causes changes in the market competition and it plays a role in promoting integration and innovation of financial products.It leads to high problem platforms and run events constantly because of the low barriers to entry,lack of the industry regulationl,the wind control mode is not perfect,exit mechanism is not sound and so on.Investors' interests are damaged seriously and they lost confidence to invest the P2 P net loan industry.In 2016 years,which as the first year of the internet financial regulation,regulators to rectify the industry chaos keep on introducing new policies in the internet finance,especially the P2 P network loan industry.With the supervision of the increasing efforts,the P2 P industry will move in the direction of standardization.This paper introduces characteristics of the P2 P network loan platform and the development of network loan platform status.It takes the case of ezubao as an example to analyze the problem platform and summarize some existing problems such as fabricating financing projects,falsing guarantee,lacking of asset custody mechanism,lacking of strict wind control standards of the platform itself and so on in the development of the problem platform,and then analyze the problem Platform for the reasons for these problems.These reasons have the following aspects such as the laws and regulations are not perfect,the market access threshold is low,the platform is guaranteed by itself,related mechanism is not perfect and so on.Then this paper is using the peer-to-peer lender as an example,analysis of high-quality platform is how to standardize the development use the method of comparative analysis.For example,it is using the field certification standard certification to ensure the authenticity of the subject,using the risk reserve model and bank funds to ensure the safety of funds,taking a amount of scattered form to increase the ability to resist risks.Through the problem platform and standard platform comparative analysis,this paper sums up related countermeasures to make the development of P2 P network loan industry more orderly and more standardized from the national level,industry level and the platform itself.