Journal of Beijing University of Posts and Telecommunications(Social Sciences Edition) ›› 2014, Vol. 16 ›› Issue (5): 47-52.

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Business Model of Combined Peer to Peer Lending Loan Platform and Online Shopping

  

  1. 1School of Economics and Management, Beijing University of Posts and Telecommunications, Beijing 100876,
    China;2 Century College, Beijing University of Posts and Telecommunications, Beijing 102101, China
  • Received:2014-06-05 Online:2014-10-30 Published:2023-03-27

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

CLC Number: