The contribution and risk of P2P financing for SMEs enterprises by

Contributions

mxh401 — 2021-07-14 16:23:46 UTC

TOPIC

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Contributions and Risks of P2P Online Lending for SMEs Financing

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The target range of services is expanded.

Background

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mxh401 — 2021-07-14 16:52:38 UTC

Loan information is visible and clear.

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Borrowing costs are lower.

Difficulties of SMEs financing under traditional financing mode

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mxh401 — 2021-07-14 16:55:32 UTC

Convenient operation process.

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Policy support

Abstract

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Taking P2P as the research object, this paper analyzes the improvement of P2P online lending through data collection and literature sorting. We also puts forward some feasible suggestions on the healthy development of P2P network lending industry and the better service for the financing of SMEs enterprises.

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The factors of Enterprise own

The Development of P2P Platforms in China

ChenHongyingzi — 2021-07-14 17:14:04 UTC

(bar chart)

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External environmental factors

Introduction

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With the development of the Internet, the financing difficulties of small and medium-sized enterprises have been improved. In 2007, Internet finance online loan was formally introduced into China, which accounted for an increased proportion of the total financial volume and expanded its business scope. There are many business models of Internet finance, among which commercial banks occupy the main position.

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The current state of P2P online lending

Recommendation

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Operation mode

Reference

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Development trend of P2P online lending in the future

Conclusion

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The First Stage:Market introduction period (2007-2011)

ChenHongyingzi — 2021-07-14 17:36:34 UTC

At this stage, the development of the industry is slow, and most entrepreneurs have no experience in private lending and related financial operations, focusing on the original credit model.

Risk regulation measures in different countries

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The similar points

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The different points

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mxh401 — 2021-07-14 17:39:28 UTC

1.Industry self-discipline and government regulation go hand in hand.
2.The government sets the threshold for market access.
3.Establish an information disclosure system.
4.Improve the mechanism for protecting investors.

mxh401 — 2021-07-14 17:41:31 UTC

P2P is regulated in the UK by the FCA.
The United States implements multi-agency supervision, mainly supervised by SEC.

mxh401 — 2021-07-14 17:42:44 UTC

The UK has introduced a targeted regulatory approaches.
The United States only regulates it by basic legislation, such as the Securities Act of 1993.

mxh401 — 2021-07-14 17:43:42 UTC

The UK P2P industry self-discipline organization has also made strict requirements on other aspects of the platform.

The Second Stage:Rapid development period (2012-2013)

ChenHongyingzi — 2021-07-14 17:44:04 UTC

The first wave of default risk broke out in 2012 due to lack of experience, weak awareness of risk control and lack of supervision in the early stage of industry development.

P2P online lending

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The basic definition

The Third Stage: Industry outbreak period(2013-2016)

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The number of platforms has surged and the business has expanded rapidly.

The Fourth Stage:Industry regulation period(2016--nowadays)

ChenHongyingzi — 2021-07-14 17:51:53 UTC

China's online loan industry has entered the regulatory era. Under the strict supervision situation, the P2P industry is experiencing a "thunder storm", with frequent phenomena such as cash withdrawal difficulties, platform running, economic investigation intervention and suspension of operations.

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The number of P2P platforms shows a rational growth trend

Analysis of P2P Risk Causes

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Macro level

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the economic downturn cycle isde-l everaged, which leads to accelerated exposure to wind risks

The contagion of market sentiment caused panic

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P2P industry supervision is lacking

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Main cause: The platform's business flaws and irregularities

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Low comprehensive quality

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Poor credit

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Lack of collateral

Classification of P2P platform problem

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Escape

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(the most common 45.65%)

Classified according to the degree of problem--5 types

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Difficulty in withdrawing cash (36.93%)

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Intervention by investigation

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Deferred redemption

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Website closure

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Classified according to the safeguard mode

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Is there a bank depository

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Is there a third-party guarantee

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Classification by shareholder background

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State-owned P2P

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Isted company P2P

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The political factor

Private P2P

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Private P2P accounts for the highest proportion of problem platforms, with 4579, accounting for 97.6% of all problem platforms.

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The financial institution factor

Group 3 !!!!!! 👽🐏⭐Team members

mxh401 — 2021-07-14 19:03:53 UTC

Rongjing Zhen, Miao Hu, Hongyingzi Chen

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The credit guarantee system factor