p2p网贷（P2P net loan）.docVIP

p2p网贷（P2P net loan） Net loan edit Net loan, also known as P2P network borrowing, refers to individuals borrowing from each other through the network platform. That is, by a qualified website (third party network lending platform) as an intermediary platform, the borrower issued a loan target on the platform, investors bidding to lend behavior to borrowers. Net loan platform in the past two years, the rapid growth in the country, so far more active about 350. Catalog 1 Introduction 2 development process 3, two operating model 4, four major investment risks 4.1 risk one, qualification risk. 4.2, risk two, management risk. 4.3, risk three, capital risk. 4.4, risk four, technical risk. 5 account supervision 6 policy supervision 7, two relevant laws and regulations 8 media coverage 1 Introduction Net loan, also known as P2P network borrowing. P2P is the abbreviation of English peer to peer, which means individual to individual. The so-called P2P net loan, refers to individuals through the network platform borrowing each other, the loan party on the P2P website issued loan requirements, investors through the website lending funds to lenders. The biggest advantage of P2P net lending is that the borrowers who are hard to be covered by traditional banks can enjoy the high efficiency and convenience of the loan in the virtual world. Network credit originated in the United Kingdom, and then developed to the United States, Germany and other countries, the typical model is: network credit companies provide platforms, free bidding by both sides of the loan, brokered transactions. The lender obtains the interest income and assumes the risk; the borrower of the fund pays the principal at maturity, and the Internet credit company charges intermediary service fees. 2 development process P2P net loan model prototype, is the British Richard Dewa, James Alexander, Sara Matthews and David Nicholson 4 young people jointly created. In March 2005, the worlds first P2P net loan platform, Zop