Analysis the Risk of Online P2P Lending under the Background of Sharing Finance in China

DOI

10.2991/ichssr-16.2016.44How to use a DOI?

Keywords

sharing finance; online P2P lending; Internet Banking

Abstract

As a new financial format and a direct trading system between the two sides of the financial resources, it have special advantages in promoting the development of sharing economy and the realization of "Inclusive Finance". P2P network lending as a classic form of Internet banking, but also to accelerate the evolution of traditional finance to share the financial process, but also accom-panied by the risk. In this paper, standing on the point of view of lender,risk of online P2P lending can be divided into two parts,one is the potential risk of lending platform,the other is default risk of borrower.Select 2015 March to 2016 February data samples, and combined with the typical case for nearly a year, in-depth analysis of the characteristics and influencing factors of nearly a year of plat-form,and for the P2P net loan industry to provide theoretical basis for the development of the road to maturity.

Copyright

© 2016, 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/).

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TY  - CONF
AU  - Yawei Yang
PY  - 2016/07
DA  - 2016/07
TI  - Analysis the Risk of Online P2P Lending under the Background of Sharing Finance in China
BT  - Proceedings of 2016 2nd International Conference on Humanities and Social Science Research (ICHSSR 2016)
PB  - Atlantis Press
SP  - 211
EP  - 214
SN  - 2352-5398
UR  - https://doi.org/10.2991/ichssr-16.2016.44
DO  - 10.2991/ichssr-16.2016.44
ID  - Yang2016/07
ER  -