Research On P2P Network Lending Theory And Practice Under The Background Of Internet Finance

With the continuous development of Internet technology as the representative of the information technology,the Internet industry and the traditional financial industry gradually cross integration,resulting in Internet finance.Internet finance has a lot of new formats,and P2P online lending is the most important one of them,P2P online lending also gradually grows up accompanied by the development of Internet finance.P2P online lending model is a new type of micro-credit model,has many years of practice in foreign countries.After entering China,P2P online lending platform with its unique advantages,flexible and easy way to borrow,quickly occupies personal and smallµ enterprise market that ignored by traditional commercial banks.The network technology solutions of P2P online lending can effectively solve the difference of fine individual and Small and smallµ enterprise financing needs,and a huge number of individual customers for the P2P online lending brought a leap growth.But in the rapid development of the same time,P2P online lending industry also exposed a lot of risks.Experts and scholars and the public are enthusiastic about all the aspects of P2P online lending.Government departments have also given considerable attention to the P2P online lending,introducing a series of policies and regulatory measures.Therefore,the research on the theory and practice of P2P online lending has great theoretical and practical significance.Then,the theme of this paper chooses the theory and practice of P2P online lending as the research direction,from the perspective of theoretical discussion,current situation analysis,development prospects and direction of supervision.On the basis of the research on the related fields,this paper first introduces the background of Internet finance,and briefly describes the development of Internet finance.Then,on the basis of this background,the concept of P2P network lending is introduced,and the theme of this paper is pointed out.After that,this paper introduces the concept,characteristics and mode of P2P online lending.At the same time,this paper reviews the development process of P2P online lending at home and abroad,and then analyzes the theoretical basis of P2P online lending.In this paper,the theory of economics is used to analyze the theory of P2P online lending.Through the research on the operation and regulation of foreign P2P online lending,it is helpful to provide valuable reference.This paper also combines the typical case of P2P online lending,introduces the reality of P2P online lending,discusses the role of P2P online lending,and analyzes the risks of P2P online lending.After tracking the latest situation and regulatory trends,based on the above analysis,this paper puts forward views on management and strategies of the future development,and gives government regulation policy recommendations from five aspects.