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ID:31949548
大小:2.05 MB
页数:56页
时间:2019-01-29
《p2p网络借贷平台创新发展模式分析》由会员上传分享,免费在线阅读,更多相关内容在应用文档-天天文库。
1、ABSTRACTTheGovernorofthePeople’SBankofChinaZhouXiaochuanwheninanswerreporters’questionsduringthetwosessionsheldin2014saidthat“inayearortwotorealizetheinterestratemarket,releasethedepositratelimits.”Thistrendismainlyduetothereform,therearesomeemergingbusinessmode
2、lsforthecurrentmarketinterestratereformtoformacatalyticrole,whichisboomingIntemetbankingbiggestimpactontraditionalbanking,whichistheeconomicbackgroundofthiswriting.Inthispaper,therecentdevelopmentofselecteddevelopingthemostprominentandmostinfluentialinthefieldof
3、IntemetbankinglendingP2Pnetworksastheresearchobject,arepresentativeP2Pnetworkbystudyingabroadlendingplatform,businessmodel,profitabilityandriskcontrolmethodsthemethodofthisemergingindustrymodelofacomprehensiveandprofoundexposition.P2Plendingplatformnetworkorigin
4、atedinmicro-lendingmodel,butinrecentyearswiththerapiddevelopmentofglobalnetworkingtechnologyandthegrowingpopularityofe-commerce,thegeneralpublicneedstoborrowsmallamountsofmoneyarenolongersatisfiedwiththespaceunderthenetrestrictivechannels,microfinancethenstartwi
5、ththeIntemettechnologyintegration,themainformhasgraduallyevolvedintothe”online”mode,whichappearedintheP2Pnetworklendingplatform.Theworld’SfirstP2PlendingplatformnetworkinMarch2005isincorporatedinEnglandZopa,itsfounder’Sentrepreneurialideaistohaveasmallamountofmo
6、neyborrowingthediverseneedsofindividuals,businesses,farmersandsmallbusinessownerstoprovideafinancinginformationmatching,matchingprofessionalservicesplatform,contributedmorecreditlendingtransactions,thecompanywillchargeaservicefeeasapercentageofrevenue.Zopaplatfo
7、rmprovidesuserswithamodelofthetradingprocessandriskcontrolmodelsbasedonpersonalcreditinformation,knoweachotheratbothendsoftheplatformforborrowersandlenderstocompletethetransactionbywayofauctionratetOmaximizetheirowninterests.Zopahasbecometheonlinemicrofinanceint
8、ermediaryserviceplatforminthetruesenseAfterZopaestablisheditsbusinessmodelintheglobalspreadopen,thenextyeartheUnitedStatesappearedProsperplatform,ZopaisalmostU.S.vers
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