Brief Analysis on Operating Model and Risks of “P2P Lending” in China
- 10.2991/essaeme-18.2018.51How to use a DOI?
- P2P lending platform, operation analysis, operation process, Lufax
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.
- © 2018, the Authors. Published by Atlantis Press.
- Open Access
- This is an open access article distributed under the CC BY-NC license (http://creativecommons.org/licenses/by-nc/4.0/).
Cite this article
TY - CONF AU - Jiaqi Jin AU - Yucan Liu PY - 2018/07 DA - 2018/07 TI - Brief Analysis on Operating Model and Risks of “P2P Lending” in China BT - Proceedings of the 2018 4th International Conference on Economics, Social Science, Arts, Education and Management Engineering (ESSAEME 2018) PB - Atlantis Press SP - 273 EP - 279 SN - 2352-5398 UR - https://doi.org/10.2991/essaeme-18.2018.51 DO - 10.2991/essaeme-18.2018.51 ID - Jin2018/07 ER -