According to the data of "20 13-20 17 Credit Risk Management and Industry Credit Strategy Analysis Report of China Commercial Bank" issued by Prospective Industry Research Institute, in recent years, the transaction volume of P2P lending platform has been rising continuously, and the industry has shown a blowout development trend. In 2007, the trading scale of the platform was only 20 million yuan, and by 20 1 1, the trading scale reached158.2 billion yuan. It is estimated that the trading scale will reach 22 billion yuan in 20 12.

Market prospect:

Peer-to-peer lending industry itself is only a kind of private lending, and it is a platform lending method developed in recent years. According to the analysis of Forward-looking Industry Research Institute, from the current situation, major domestic companies have entered the peer-to-peer lending industry, indicating that the industry itself has great development prospects. In fact, as an emerging Internet finance industry in recent years, the peer-to-peer lending industry has a good development prospect.

Financial license under 1)

Peer-to-peer lending is essentially a financial industry, but compared with other financial fields, peer-to-peer lending is an industry with very low entry threshold, and there is no policy restriction on financial licenses.

In recent years, due to license control, the financial sector is a highly monopolized industry, and few business entities can obtain licenses in the financial sector. The profits of the financial industry are staggering. In the first half of 20 12, the net profit of 16 listed banks reached 545.2 billion yuan, while the total net profit of all A-share listed companies was only10.02 trillion yuan, and banks accounted for 53.45% of the net profit of listed companies. Therefore, the peer-to-peer lending industry is the only financial industry without policy restrictions and license control, which is tantamount to a shortcut for many companies wishing to enter the financial industry.

2) Future new financial forms based on Internet.

Peer-to-peer lending has moved the intermediary platform of private lending to the Internet, which has effectively promoted the development of private lending industry, regardless of the depth or breadth of lending. Its financial form can even play the role of traditional commercial banks' deposit business and loan business, which has a huge impact on traditional commercial banking business. Moreover, because it covers a larger consumer lending group and a more comprehensive consumer lending field, it can break the traditional financial form and blur the boundaries between microfinance companies, commercial banks and private lending intermediaries.

In recent years, the development of e-commerce industry has increasingly subverted traditional commerce. On October 0, 2065438+021165438/kloc-0, Alibaba's "Double Eleven Singles Day Promotion" reached 1965438+ 100 million yuan, while 2065438.

According to the analysis of Forward-looking Industry Research Institute, this influence is self-evident for traditional business forms. P2P loan industry, which combines financial and Internet factors, shows attractive development prospects. With the development of e-commerce industry, peer-to-peer lending has great imagination in the future, and it is possible to form a future financial form based on the Internet.

I hope my answer can help you.

Seeking adoption is a satisfactory answer.