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1、ABSTRACTWiththeadventofinformationtechnology,moreandmoremodernpeoplepayattentiontofinancialwealth,lookingforwardtomorevalue-addedinvestment,alsopeoplewhohascapitaldemand,hopethroughthenetworktosolvethefinancingloanproblem.P2Pisagreatbridgetohelpeachother
2、.ThispaperanalyzesthebusinessmodelofP2Pindustry.ByreviewingtheresearchandliteraturedocumentsofdomesticandforeignscholarsabouttheP2Pproblem.ComparingwithoriginalP2Pplatformandtheexistingbusinessmodeabroad,carryingontheclassificationofthedomesticexistingP2
3、Pplatform,thecurrentdomesticP2Pplatformcanbedividedtoensurepureintermediarymodel,theprincipalmode,creditassetsecuritizationmodeandbondtransfermode.AtypicalrepresentativeofthesefourkindsofmodelsarePaipaicredit、RedHillVC、LuJinandYixin,withtheanalysisofthes
4、efourmodesofmainbusinessmodelandmechanism,riskandthepresenceofP2Pindustry,thepapercarriedoutadetailedexplorationandnarrative.RapiddevelopmentofP2Pindustryhasspawnedmoreandmoreplatform,withgoodorbadmixed.Thepaperalsotrytoevaluateandrankthecurrentexistence
5、oftheP2Pplatform,basedontheresearchofP2Pplatformbusinessmodel,inordertobetterservicetheinvestorstoidentifyandtreattheplatform.Thearticleselectsthecurrentdevelopmentof98platform,andacollectionof10keyindicatorsofthedevelopmentplatformandrelateddatabymultiv
6、ariatestatisticalanalysisofprincipalcomponentanalysismethod,andtheDEAinCCRmodelandsuperefficiencySBMmodeltoevaluatetheefficiencyandrankingoftheintegratedplatform,displaytheoperationeffectandthecurrentsituationoftheplatform.Finally,thispapersummarizesthec
7、urrentP2Pindustryinthepresenceofopportunitiesandgivetheconclusionofthearticle,pointingthatalsoneedtoregulateandguideofpoliciesandregulations,needself-disciplineandnormsofP2Pindustry,exploringthefuturedevelopmentofP2Pindustrytrends,andtherelevantcommentsa
8、ndsuggestions.KeyWords:theWebFinance；BusinessModel;EvaluationII··目录摘要·······················································································IABSTRACT·························································
