p2p网络借贷平台创新发展模式分析

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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