Abstract:

Peer to peer (P2P) lending is an emerging Internet financial business By comparing the typical three kinds of operation mode, it is found that P2P lending has deviated from its original sense, that is, person to person credit mode Meanwhile, referring to the success of YuEbao and Ali micro-credit, a new business model which combines P2P lending platform with online shopping platform is explored This business model has so many advantages, such as low transaction costs, high income rate, wide-ranging service, clear business framework, low legal risk and so on, which will create a win-win situation for the participants

Key words: peer to peer lending, online shopping platform, business model;Internet finance