Analysis of P2P Lending Model
Date Issued
2016
Date
2016
Author(s)
Shen, Tien-Yao
Abstract
With the development of financial technology,traditional bank’s lending pipeline has been changed.Parties may use the web to complete lending behavior.Although peer to peer lending is convient,The period includes information signed up at begining step to repay capital at last step has different risks in different peer to peer lending model.Because most of people are not familiar with P2P lending,how to control risks,maintan lending platform to operate stablely,and increase user of lending platform have been core issues. At first ,this research will find value creation in different lending model by value creation model.By finding out strengths and drawbacks in different lending model,the research hope that related organization will set rules or change lending process in near future to improve P2P lending model. Second,this research will provide suggestions about controling risk of P2P lendi- ng,including supervision of informational data and financial ratio.The goal which suggestion want to reach is to decrease default risks and enhance the platform’s quality.At last,the research will establish an ideal lending model regarding to the suggestions and current lending model’s strengths.
Subjects
P2P Lending
risk control
lending model
supervision
ideal model
Type
thesis