| dc.description.abstract | Due to the substantial leap in the network technology, the Internet, Big Data, social media and other booming business models, have started to change people’s trading habit. The financial industry is the backing of transactions, as well as the service platform of supply and demand chains. With the constant innovation of the financial technology and the development of new financial products, the interlocking state of the global financial environment has been closer. At present the restrictions of the domestic financial regulations have been gradually relaxed. Many operators increasingly eager to be seen, and the future of innovative domestic financial products and the rise of new trading patterns are expecting.
The global P2P industry has experienced an explosive growth in the past ten years. It has begun to receive the attention of governments of various countries, and has formulated many management rules and methods, hoping to strike a balance between the traditional financial system and the development of innovation. However, domestic P2P operators just began to operate. How many successful opportunities are there in the future? How will it impact on the traditional financial industry? In view of this phenomenon, this study selects from the United States Zopa, the United States Lending Club, China Pat Loan, Lu Jin Su, Taiwan Township Min loans, LnB credit market and other six indicators platforms to explore their business models, operating procedures, operating characteristics, and risk control model. This study then exams how the current domestic financial industry should cope with the time trend. At the same time, with the relaxation of domestic financial laws and regulations, the innovation business has been launched. How should we respond to the competing relationship with P2P players?
The P2P industry has long been subjected to the regulatory restrictions in Taiwan, and it is lagging behind the global development. However, it is still a growing industry in the long term and Taiwan′s credit system is quite matured. If it can effectively integrate P2P platform operators, it will be able to fill the gap between banks and underground finances in the future, thereby benefitting more microfinance demanders and suppliers. This study also aims to understand the operating models and management mechanisms of relevant businesses in Europe, America, and China, gather their experience of successful models, provide reference references for domestic P2P operators, and look forward to establishing a healthy financial industry environment for consumers, platform operators, financial companies can win the win-win situation. | en_US |