The contribution and risk of P2P financing for SMEs enterprises的复制 by https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu Group 3(Accounting & Finance) Team members: Rongjing Zhen, Miao Hu, Hongyingzi Chen(Vivian) en-us 2022-09-24 16:04:23 UTC 2026-01-05 04:55:53 UTC hello@padlet.com https://padlet.net/icons/png/1f47e.png https://public.tableau.com/app/profile/shaheen.arshiya/viz/Worldfoodpricesareincreasingatanalarmingrate/Dashboard5 ChenHongyingzi https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644412 2022-09-24 16:04:23 UTC https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644412 摘要 mxh401 https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644413 本文以P2P为研究对象，通过数据收集和文献梳理，分析了P2P网络借贷的完善情况。并对P2P网络借贷行业的健康发展和更好地服务于中小企业融资提出了一些可行的建议。]]> 2022-09-24 16:04:23 UTC https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644413 Contributions mxh401 https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644414 2022-09-24 16:04:23 UTC https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644414 TOPIC https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644415 
Contributions and Risks of P2P Online Lending for SMEs Financing
]]> 2022-09-24 16:04:23 UTC https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644415 mxh401 https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644416 The target range of services is expanded.]]> 2022-09-24 16:04:23 UTC https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644416 mxh401 https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644417 Loan information is visible and clear.]]> 2022-09-24 16:04:23 UTC https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644417 Background https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644418 2022-09-24 16:04:23 UTC https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644418 mxh401 https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644419 Borrowing costs are lower.]]> 2022-09-24 16:04:23 UTC https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644419 Difficulties of SMEs financing under traditional financing mode https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644420 2022-09-24 16:04:23 UTC https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644420 mxh401 https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644421 Convenient operation process.]]> 2022-09-24 16:04:23 UTC https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644421 mxh401 https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644422 Policy support]]> 2022-09-24 16:04:23 UTC https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644422 The Development of P2P Platforms in China ChenHongyingzi https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644423 (bar chart)

]]> 2022-09-24 16:04:23 UTC https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644423 https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644424 The factors of Enterprise own]]> 2022-09-24 16:04:23 UTC https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644424 https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644425 External environmental factors]]> 2022-09-24 16:04:23 UTC https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644425 介绍 mxh401 https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644426 随着互联网的发展，中小企业的融资难问题得到了改善。2007年，互联网金融网贷正式进入中国，在金融总量中的占比提高，业务范围扩大。互联网金融的业务模式有很多，其中商业银行占据了主要地位。]]> 2022-09-24 16:04:23 UTC https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644426 https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644427 The current state of P2P online lending]]> 2022-09-24 16:04:23 UTC https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644427 Recommendation mxh401 https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644428 2022-09-24 16:04:23 UTC https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644428 https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644429 Operation mode]]> 2022-09-24 16:04:23 UTC https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644429 Reference mxh401 https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644432 2022-09-24 16:04:23 UTC https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644432 https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644433 Development trend of P2P online lending in the future]]> 2022-09-24 16:04:23 UTC https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644433 Conclusion https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644434 2022-09-24 16:04:23 UTC https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644434 The First Stage:Market introduction period (2007-2011) ChenHongyingzi https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644435 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.]]> 2022-09-24 16:04:23 UTC https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644435 不同国家的风险监管措施 mxh401 https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644436 2022-09-24 16:04:23 UTC https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644436 The similar points mxh401 https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644437 2022-09-24 16:04:23 UTC https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644437 The different points mxh401 https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644438 2022-09-24 16:04:23 UTC https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644438 mxh401 https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644439 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.]]> 2022-09-24 16:04:23 UTC https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644439 mxh401 https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644440 P2P is regulated in the UK by the FCA.
The United States implements multi-agency supervision, mainly supervised by SEC.]]> 2022-09-24 16:04:23 UTC https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644440 mxh401 https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644441 The UK has introduced a targeted regulatory approaches.
The United States only regulates it by basic legislation, such as the Securities Act of 1993.]]> 2022-09-24 16:04:23 UTC https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644441 mxh401 https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644442 The UK P2P industry self-discipline organization has also made strict requirements on other aspects of the platform.]]> 2022-09-24 16:04:23 UTC https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644442 The Second Stage:Rapid development period (2012-2013) ChenHongyingzi https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644443 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.]]> 2022-09-24 16:04:23 UTC https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644443 P2P网络借贷 https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644444 2022-09-24 16:04:23 UTC https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644444 https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644445 The basic definition]]> 2022-09-24 16:04:23 UTC https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644445 The Third Stage: Industry outbreak period(2013-2016) ChenHongyingzi https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644446 The number of platforms has surged and the business has expanded rapidly.]]> 2022-09-24 16:04:23 UTC https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644446 The Fourth Stage:Industry regulation period(2016--nowadays) ChenHongyingzi https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644447 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.]]> 2022-09-24 16:04:23 UTC https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644447 https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644448 The number of P2P platforms shows a rational growth trend]]> 2022-09-24 16:04:23 UTC https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644448 Analysis of P2P Risk Causes ChenHongyingzi https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644449 2022-09-24 16:04:23 UTC https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644449 Macro level ChenHongyingzi https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644450 经济衰退的周期是去杠杆化的，这导致了风控风险的加速暴露]]> 2022-09-24 16:04:23 UTC https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644450 市场情绪的蔓延造成了恐慌 ChenHongyingzi https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644451 2022-09-24 16:04:23 UTC https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644451 P2P industry supervision is lacking ChenHongyingzi https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644452 2022-09-24 16:04:23 UTC https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644452 主要原因-该平台的业务缺陷和违规行为 ChenHongyingzi https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644453 2022-09-24 16:04:23 UTC https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644453 https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644455 综合质量低 ]]> 2022-09-24 16:04:23 UTC https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644455 https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644456 Poor credit]]> 2022-09-24 16:04:23 UTC https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644456 https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644457 缺少抵押品]]> 2022-09-24 16:04:23 UTC https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644457 Classification of P2P platform problem ChenHongyingzi https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644458 2022-09-24 16:04:23 UTC https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644458 Escape ChenHongyingzi https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644459 (the most common 45.65%)

]]> 2022-09-24 16:04:23 UTC https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644459 Classified according to the degree of problem--5 types ChenHongyingzi https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644460 2022-09-24 16:04:23 UTC https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644460 Difficulty in withdrawing cash (36.93%) ChenHongyingzi https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644461 2022-09-24 16:04:23 UTC https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644461 Intervention by investigation ChenHongyingzi https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644462 2022-09-24 16:04:23 UTC https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644462 Deferred redemption ChenHongyingzi https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644463 2022-09-24 16:04:23 UTC https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644463 Website closure ChenHongyingzi https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644464 2022-09-24 16:04:23 UTC https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644464 Classified according to the safeguard mode ChenHongyingzi https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644465 2022-09-24 16:04:23 UTC https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644465 Is there a bank depository ChenHongyingzi https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644466 2022-09-24 16:04:23 UTC https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644466 Is there a third-party guarantee ChenHongyingzi https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644468 2022-09-24 16:04:23 UTC https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644468 Classification by shareholder background ChenHongyingzi https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644469 2022-09-24 16:04:23 UTC https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644469 State-owned P2P ChenHongyingzi https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644470 2022-09-24 16:04:23 UTC https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644470 Isted company P2P ChenHongyingzi https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644471 2022-09-24 16:04:23 UTC https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644471 https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644473 The political factor]]> 2022-09-24 16:04:23 UTC https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644473 Private P2P ChenHongyingzi https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644474 Private P2P accounts for the highest proportion of problem platforms, with 4579, accounting for 97.6% of all problem platforms.]]> 2022-09-24 16:04:23 UTC https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644474 https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644476 The financial institution factor]]> 2022-09-24 16:04:23 UTC https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644476 Group 3 !!!!!! 👽🐏⭐Team members mxh401 https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644477 Rongjing Zhen, Miao Hu, Hongyingzi Chen]]> 2022-09-24 16:04:23 UTC https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644477 https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644478 The credit guarantee system factor]]> 2022-09-24 16:04:23 UTC https://padlet.com/ChenHongyingzi/zj6l4woihuq4aevu/wish/2311644478