Abstract With the development of non-governmental banking and Internet banking, the online P2P lending modes have risen rapidly. The rapid development, various business modes and high risks have caused widespread concern. Due to the particularity of the industry’s development in our country, more and more P2P modes which differ from the traditional ones are deriving from the P2P industry. Numerous privately owned small-sized offline P2P companies begin to emerge and start offline businesses. However, most of these companies have some problems like illegal operation, lack of innovation or business operation without guidance.31257
Through the specific discussion about some real cases of Wanhao Wealth Co., Ltd. This thesis points out some of the existing problems during the developing process of similar small-sized offline P2P companies and puts forward corresponding suggestions and references. It also provides the experience to some P2P industries of other scales or models. Through the analysis, this thesis argues that the lack of credit system is the key factor to hinder the healthy development of the small-sized offline P2P companies in China. Therefore it is the top priority for those companies to establish a suitable and workable credit system by cooperating with banks and credit rating agencies. Moreover, in order to avoid the severe consequence like capital chain rupture, the service object of current small-sized offline P2P companies should focus on other small or micro – sized companies.
Key words: small-sized offline P2P investment risks
摘 要随着民间金融和互联网金融的发展，P2P网络借贷模式迅速崛起。其发展之快，业务模式之多以及风险之高引起了广泛关注。在我国，由于P2P行业发展的特殊性，越来越多不同于传统模式的P2P模式开始衍生出来，表现为大量由私人创办的线下小型P2P借贷公司开始出现并开展线下业务。然而大多数线下小型P2P公司存在违规操作，创新不足或业务操作缺乏指导的问题。
本文通过对其中一线下小型P2P公司——万好财富有限公司真实的理财投资案例进行详细调研分析，指出与其相似的线下小型P2P公司发展过程中存在的问题，并提出了相应的对策建议和经验借鉴。这对其他规模或模式的P2P投资理财行业也有借鉴意义。文章通过分析认为信用体系的缺乏是阻碍中国线下小型P2P投资公司健康发展的重要因素，因此尽快与银行、信用评级机构等合作建立完善的、可操作的信用体系，成为此类投资公司的当务之急。另外，为避免资金链断裂等致命后果的出现，当前线下小型P2P公司的服务主体应该是小微公司等。
毕业论文关键词：小型线下P2P 投资 风险
Contents
Abstract i
摘 要 ii
Contentsiii
Chaper One Introduction 1
Chapter Two Literature Review 5
Chapter Three Methodology 7
Chapter Four Results and Discussion 9
4.1 Lack of Credit System and the Solutions 9
4.2 Improper Service Objects and the Solutions 12
Chapter Five Conclusion 15
References 16
Investment Risks of Small-sized Offline P2P Companies in China Chapter One Introduction
Since P2P network lending began to emerge in our country in 2007, it has always been in a rapid development with an annual growth rate of more than three hundred percent in this industry. We can see from the survey data in 2013 and the research situation of the industry that the P2P industry is experiencing an explosive growth domestically. According to Chinese P2P Lending Service Industry White Paper 2014, the entire turnover of online platform is around 110 billion yuan and the offline transactions are about 70 billion to 80 billion yuan. However, some enterprises estimate that the financing scale of offline P2P lending companies actually has far exceeded the online P2P lending companies. 中国小型线下P2P公司的投资风险研究:http://www.751com.cn/yingyu/lunwen_27360.html