Abstract
Traditional Folk relations of debit and credit have existed for thousands of years in Chinese society. In the rapidly develop of the context of mobile internet and social network, the borrowing that relies on the relationship among people is not just a financial domain scope discussion topic. In the rapidly developing Chinese mobile Internet, a new anonymous mechanism which is based on interpersonal credit extension and evaluation ultimately form borrowing is continuously formed. In this paper, the author researches and analyzes on what is relationship lending mechanism, the basic operation modes of relationship lending mechanism, a part of theoretical supporting and values.
Highlights
In the three years from 2013 to 2015, over 2500 establishments work in P2P1 (Pear to Pear) business in China, groups of heroes seek opportunities in this high-speed expansion market
In the rapidly develop of the context of mobile internet and social network, the borrowing that relies on the relationship among people is not just a financial domain scope discussion topic
In the rapidly developing Chinese mobile Internet, a new anonymous mechanism which is based on interpersonal credit extension and evaluation form borrowing is continuously formed
Summary
In the three years from 2013 to 2015, over 2500 establishments work in P2P1 (Pear to Pear) business in China, groups of heroes seek opportunities in this high-speed expansion market. Huang 54 ued to explore and think about how to undertake business innovation in a more effective dimension so that feature with “Decentration” of the P2P Lending realizes decentration and return to pure information intermediary and MatchMaking platform, track of this business platform only provides trading platform and passage does not operate any risks, all borrowing decisions through the ends of the lending [2] The author and his project team conduct creative work in social network’s risk management and evaluation of relationship among acquaintances as online financial team of China launch innovative concept of Social Finance. This article demonstrates and studies on commercial logic effectiveness and theoretical support for this relationship lending between acquaintances
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