Research On The Cooperation Mode Of City Commercial Bank And P2P Net Loan Platform

The rapid progress of Internet information technology has significantly promoted the development of the Internet + financial model.In this wave of tide,our country has entered the rapid era of Internet Finance for the public to start a business,all kinds of credit services net loans platform with financial management as the core showed a spurt of development.According to the data of Home Loan House in June 2017,the total number of China’s national network loan platforms in 2012 was less than 200,while the total number reached 5909 in June 2017 and still maintained a relatively high growth rate.P2P network loan’s core service is the goal of small and micro enterprises and individuals.In this fierce market competition,urban commercial banks,which have always been serving small and medium-sized cities and micro-markets,have been hit hard by the market.If they are not adjusted in time,they will be further squeezed to survive and thus losing market competitiveness.To this end,to P2P network credit platform as the core,the commencement of city commercial banks and P2P network loan platform cooperation has become the city commercial banks nowadays the development of Internet finance an important first step.However,the financial products themselves have high risks.Coupled with the lack of an effective regulatory system in the society,many P2P online loan platforms have high risks.P2P-based loan platforms mainly launch financial products with network credit as the core,problem.If commercial banks in cities need to cooperate with P2P lending platform,they should carefully study the targets of cooperation and effectively screen their targets.In addition,what kind of cooperation should be launched and what kind of financial products should be launched?This cooperation,how to further promote the city commercial banks and development are worth exploring and research.This paper firstly sorts out the domestic scholars’ research on the development of internet finance in P2P lending and commercial banks.Firstly,it expounds the influence of internet finance and P2P lending on traditional commercial banks,and then highlights the necessity of the cooperation between the two sides.On this basis,this paper analyzes in depth the motivation of the cooperation between the two parties and the potential cooperation of the financial model to highlight the inevitable trend of development and cooperation between the two sides in the future.Then,this article introduces the cooperation between Shanghai Branch of Bohai Bank and Pleasant Loan Platform of Pleasant Hengye,elaborates the details and contents of cooperation,and further highlights the goals and existing problems of cooperation.Through the deep analysis of the case,this study provides some enlightenment for the future research of P2P net loan in city commercial banks.In view of the stage of its development.this article puts forward the strategy of "three steps" and puts forward the strategy of development and stage strategy in combination with the phased goals.Finally,it promotes the city commercial bank to perfect the ultimate goal of Internet finance development.Finally,this article systematically expounds the shortcomings of the study and the trend of the development of city commercial banks in the future,hoping that city commercial banks can remain competitive in such fierce market competition.