Brief Analysis on Operating Model and Risks of 'P2P Lending' in China

摘要

This paper conducts comparative analysis on operating model of domestic P2P lending platforms, explores advantages and deficiencies of various models, finds out existing problems and puts forward corresponding suggestions. This paper selects two classic P2P lending platforms, and analyzes from company profile, operation process, profit model and risk management. The research shows that P2P lending industry of China is still in preliminary stage of development, and there exist many problems. There are still large space for development by improving credit information system and strengthening the supervision of laws and regulations.