| Summary: | 碩士 === 國立臺灣大學 === 國際企業學研究所 === 104 === The rapid growth of such “peer-to-peer” lenders has been one of fintech’s most visible successes. The sector has grown rapidly: the five biggest platforms for consumer lending—Lending Club, Prosper and SoFi, all based in San Francisco, and Zopa and RateSetter in London. In 2003, China''s P2P lending market also showed explosive growth, the transaction amount this year has surpassed the United States market. With the competition in the market, the business model gradually become differentiated, different platforms will look for different opportunities. But in the absence of regulations, risks continue to rise, and we always hear about the news of platform collapse.
P2P lending industries in Taiwan is limited by regulatory constraints, we belong to a follower role. Therefore we hope to deeply understand the China’s P2P lending market, and its future development trends. Then we can find the right entry point after the opening, set the relevant laws and regulations, and avoid the whole financial market instability and increased risk.
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