Research On The Impact Of P2P Online Lending On The Credit Business Of My Country's Commercial Banks

At present,in the context of the Internet era,the rapid development of P2P online lending has brought a strong negative impact on the credit business of commercial banks.On the other hand,the risk management problem of the P2P online lending industry also provides positive thinking for commercial banks.Therefore,in-depth study of the impact of P2P online lending on commercial bank credit business will not only help solve the problem of commercial banks’ difficulties in credit for individuals and SMEs,but also help solve the risk management problem of P2P online lending and promote further commercial banks.Reform and innovation.This paper takes P2P network loan development status and risk management as the starting point,and takes the credit business involving rural finance as a case to analyze the advantages and disadvantages of P2P online loan and commercial bank in terms of credit.The study found that although P2P online lending has strong online advantages,it has the advantages of low cost,high efficiency and wide service,but it has serious shortages in resources,credit and risk control.Therefore,the impact of P2P online lending on commercial banks is not enough to incite commercial banks’ current position in the financial sector.In addition,commercial banks should learn advanced management techniques and experience from P2P network loans,summarize P2P online loan risk control issues and learn lessons,play their role in the financial industry,and guide the P2P online lending industry.In the end,the goal of mutual prosperity will be achieved.