On Chinese online P2P lender’s model building on the macro, micro and industry level

Abstract

Only in a few years, P2P lending prospered in China, with the annual growth rate over 300 %. But in China, the extension and innovation of P2P industry is not mature yet. Especially, there is little innovation attempting from the lender-side. This paper studies on the macro, industry and micro level to investigate the Chinese lender’s preference and its causes and try to dig out the opportunities in the market. On this basis, this paper gives out a typical lender’s model in P2P in China. The results are worthwhile for related practitioners to innovate new financing products for lenders in China.