Comparison And Reference Of Domestic And Foreign P2P Online Loans Management Model

With the continuous rise of the Internet,the financial industry has also been the tide of the Internet constantly updated with their means of operation.and the development momentum is very rapid,more and more people choose Internet finance,Being an important part of Internet finance.P2P financial development is also very good.Although the introduction of regulatory policies,P2P competition between the survival of the fittest.P2P financial development began in the Western countries.In 2006,the world's first P2P platform Zopa set up in the UK.based on the West is a very good credit system.and later the West has produced a prosperous and lending club two very typical platform,prosper mode is the P2P industry ebay,by way of auction,the borrower The auction is eligible for lend.Lending Club platform,he innovative social platform facebook cooperation,through the facebook to explore the borrower's social relations to find potential borrowers and achieved good results,in addition,it also through non-standard asset securitization way to achieve the risk of transfer,So the risk of platforms Lending Club has become the world's first listed P2P credit platform.China's P2P finance is very similar to the prosperity of the filming of the loan into China,the film was selected and prosperous very similar to the auction way to obtain the loan qualification,filming in China has also made a good development.Subsequently,more and more P2P platform developed in our country,these platforms do better is also a typical Lu Jin and favorable network,Lu Jin backed by peace,has a very good social recognition,and Its loan is secured by the security assets to provide security companies,so the safe development of P2P loans the largest and highest social awareness,this has a good wind control and a good background of the P2P platform for the promotion of the whole community on the P2P Recognition is of great significance.And this model is also very worthy of other P2P platform for reference,in addition,profitable network to create a P2P credit platform in the small loan company's cooperation,through the cooperation of both sides,profitable network can raise funds online,and small loan companies can be strict online The qualifications of the lender to review,which is conducive to better control of the risk,this online + line of the way more and more accepted by China's P2P credit platform.The pure line model often requires investors to bear the losses caused by bad debts independently,but the user as the information disadvantage often do not know the borrower's operating conditions and repayment ability,how these online platforms to carry out risk control due diligence Has become a problem,and online + line mode,both online audit and line under the risk of investigation is more conducive to control the risk,increased credit costs.With the continuous introduction of regulatory policy,P2P is embarked on a more standardized business path.With the continuous development of computer technology,large data wind control has become an important P2P platform selection of an important technology,through this technology,P2P platfor:m can indeed to a certain extent,better assessment of risk,determine the risk premium,which is P2P Platform is bound to develop a road.And because there is a certain degree of financial repression in our country,P2P is difficult to solve the problem of financing small and medium enterprises,so China's P2P finance has a very good development prospects,better control of risk,more standardized operation of China's P2P enterprises inevitable The way to go.