上海嘉银金融服务有限公司P2P平台的发展研究
毕业论文关键词：P2P、风险把控、策略、上海嘉银
The development JiaYin Financial Services Ltd P2P platform research
Abstract: With Chinese economic development, Chinese economic transformation has been undergoing reform and Chinese economy gradually to science and technology elements based production paradigm shift from a resource-oriented production model to science and technology oriented production model during three decades. It is the first element that the science and technology are the vital implementation of the production. Growing global network also forced Internet banking to making continuous reform and innovation. What is more, the network has promoted to change the traditional mode of borrowing.P2P network which is a simply credit lending platform certification system is continuous improving. In this essay, based on Shanghai Jiayin Financial Service Ltd "You and I credit" history of growth and data analysis，I use asymmetric information theory and marketing principles to research operation mode, specific mode of operation, trends and risk monitoring of P2P network lending platform. The research illustrates that the development of network lending platform has been accelerating，and thereby the importance of credit rating is also more and more apparent so that personal credit has become an essential standard to personal loan. In addition, ownership of property and vehicles plays an vital role in increasing approval rate. In order to ensure information symmetry， field investigation and online ratings information are combined to reduce the credit risk. Additionally，the staff of professional quality and level of education make it possible to control the enterprise risk. It is more likely to enhance employees’ professionalism and entry mechanism become the significant elements of the control of net loan platform risks and industrial development. Then it is influential to optimize loans certification system, standardized underline certification field sampling, strengthen government regulation, increase the entry barrier and enrich law specification as well as implementation.
Keywords: P2P, to control risk, strategy, JiaYin silver
目 录
一、引言 - 1 -
（一）研究背景 - 1 -
（二）理论意义 - 2 -
（三）现实意义 - 2 -
（四）研究内容 - 2 -
二、 P2P的基本概念以及特征分析 - 3 -
（一）P2P在世界范围的发展 - 3 -
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