Return service is the essence of P2P financing needs of small and micro enterprises way AfterZOPA from Britain and the United States Prosper and Lending Club these Internet lending platform model is introduced into China, P2P network lending platform that wore the aura of financial innovation in the country fall rapidly and wild growth. According to a P2P industry portals released industry data show that in 2013 China's total of about 800 appeared P2P platform, the total annual trade volume reached 105.8 billion yuan, 20 billion yuan of scale, and in 2012 compared to about showing explosive growth. Behind the P2P platform and transaction volume growing number of closures is the platform, almost to a few per day, every day appear even close down and run away. P2P companies to play an important role in private lending sunshine and solve the financing needs of small and micro enterprises. Because of the special status known to match the efficiency of the banking and financial, in many large enterprises get a huge amount of credit, while the vast majority of small businesses unable to obtain sufficient credit, the emergence of P2P companies in such market conditions , it can complement traditional financial institutions better able to practice with for all to enjoy more financial services to better support the development of the real economy, the concept of inclusive finance. The main task is to inclusive finance or formal financial institutions outside the traditional system, the majority of the lower-middle class and even the poor the opportunity to provide availability of financial services to the poor, low-income people and small businesses. P2P industry healthy development is inseparable from robust platform operators, rational net loan investors, fair and objective industry organizations, as well as effective supervision from the government. Currently many P2P platform operators blindly follow the trend and profit-oriented, investor risk education missing irrational pursuit of short-term investments and lead to high interest, as well as the absence of market regulation, resulting in a one-sided situation while the establishment of P2P platforms, these irrational This behavior is endangering the development of the industry. Existence or development of any organization is to meet Air Jordan 18 the needs of specific social functions, leaving the real demand fetch data indicators will eventually seek to decline. The industry's many platforms for the blind pursuit of trading volume and the number of investors, with net mark (net mark is a subject of net loan loans, is the investor's net investment as a personal guarantee, in a certain amount of the net release of loan mark .), demolition of the standard (demolition of the standard refers to the subject of long-term loans split into short-term, large capital split into small, resulting in the period and the amount of mismatches) and other harm than good way to inflate the bubble volume platform, completely ignoring this highly leveraged loans, duration and amount of mismatch caused liquidity risk borrowers. Whether for active investors point of view, the platform can not break through their loans make up the subject of the bottom line, such behavior will eventually platforms and people into the pools of capital invested by the new and old abyss. The core competitiveness of enterprises should be a P2P platform mining, service and maintenance of high-quality borrower's ability, only high-quality borrowers can bring stable income to investors and platform; only to borrowers who are P2P quality enterprises to risk control key. Everyone in the industry Jordan RCVR such as loans, loan-to-point integration Tesco and other borrowers that do adhere to the development of quality control platform wind from the source commendable. Many platforms in order to meet investors' irrational demand, forget a P2P enterprise value of existence. Heavy operations, breeze control, light borrower to explore, by a group of investors to pursue high-yield coerced, 40% or more per annum to find high-risk borrowers, or send hesitate to send false high standard to attract investor interest , this is upside down. P2P existence of the business value should satisfy those in traditional financial institutions are not effectively serve small and micro enterprises or individuals financing needs, not desperately to please investors, to blow a large volume of foam platform. From March 24, 2014 is located in Shenzhen, a P2P lending platform for Henan, a real estate holding company financing 100 million yuan, to a P2P industry leading platform is critical in the northeastern region of over 800 million real estate project suffered losses. From one million to ten million, to one hundred million yuan loan-level standard. Many P2P platforms are continually break at the end of their Air Jordan 1 bottom line, put on a so-called P2C / P2B coat was supposed to snatch banking services market, which is moving towards innovative P2P platforms errors. Being put aside illegal fund-raising and risk control these two points do not say, Alert readers may find these large borrowers typically distributed in real estate, coal, mining, cement, heavy chemical industry, etc. These are national macro-control in the bank get loans industry. P2P our business if they can not go along with the direction of state regulation, and eventually into the list of these industries are regulated. Bank abandon such medium-sized enterprises, in addition to national policies, but also to see the risk of these companies own existence to the bank's risk management capabilities and sufficient liquidity reserves are reluctant to touch Nike Air Max 24-7 the business, I ask those who have 2015 Latest Nike Shoes just set up a few years, wind The control system is not sound P2P companies can do what? There are also a lot of P2P platforms, such as all loans, loan-to-point integration companies such as Tesco, has always insisted the development direction of serving small and micro businesses, real support the real economy, we understand that the latter will own market position in three small micro-enterprise Air Jordan 18 credit market in the fourth-tier cities. From Minsheng Bank, contractors and other domestic banks and Harbin Bank in the field of micro-loans to small banks is successful, the non-performing rate of small micro-loans generally below 1%, indicating that small and micro enterprises is not high-risk borrowers. P2P companies should bend down to go up even lie to serve their small and micro enterprises should service the market, rather than with the bank to snatch the market, the bank can do those things, do not need P2P companies do, otherwise it would be P2P companies Bank without a license. Market needs is not more banks, need to be able to differentiate traditional banks have targeted financial services institutions. Small and micro enterprises banks are unwilling Jordan Slide Sandals or unable to touch border capacity market, but this financial institution to serve the needs of the market, with high efficiency and low cost advantages of the Internet, P2P companies can better serve small and micro enterprises. Interest rate system and the existing pattern of China's financial institutions, resulting in a large number of small and micro enterprises, especially the financing needs of small and micro enterprises tier cities can not be met, China has more than 40 million individual businesses, abundant in all types of wholesale markets, small market, in the traditional financial system, there is no financial institutions to meet their financing needs, but it needs an objective. Service in such a huge market our business must P2P promising. Author: Zhou dry, Nanjing Electronic Commerce Association Deputy Secretary-General, Internet banking practitioners, participate in the creation P2P Credit Tesco loans www.teyidai.com, May 28 will be the first in Jiangsu Internet financial years www.hlwjr.org, Jiangsu Internet Financial exchange QQ group: 314 144 622 (only relevant practitioners to join).