| Summary: | 碩士 === 東吳大學 === 企業管理學系 === 106 === The P2P lending platform has risen rapidly and is also used as a lending intermediary with banks. However, due to the difference in customer base and core technology, there is room for cooperation. As banks actively cooperate with platform operators, China’s first bank and P2P lending platform are also In May this year, cooperation was officially launched, and the future development trend of cooperation should be able to use foreign development for Taiwan's reference.
As the result, the global P2P lending platform business, especially in the United Kingdom, the United States and China, the development is the fastest. This study considers that Taiwan has no platform specific law, and the regulatory environment is similar to that of the United States. Try to use the United States as a mirror to explore the US banking industry and P2P lending platform. Cooperation, and then summed up three modes of operation: debt transfer, customer referral and technical support, and conduct an in-depth analysis of this by case analysis, to fully explore the motives and models of cooperation between the two parties, and analyze the possibility of cooperation between Taiwan's future banks and P2P platforms. Sexuality and suitability for the model, as well as business risk and benefit assessments that may arise from different modes of cooperation, thereby providing a reference for the development of Taiwanese banking and P2P platform players.
This study finds that the cooperation model between the bank and the platform industry can be divided into three categories: the creation period, the development period and the maturity period, and thus the derivative credit transfer, customer promotion and technical support cooperation mode. China's Standard Chartered Bank and LnB credit market cooperation model is the customer promotion model, with the purpose of sharing customers.
In addition, while the bank develops its financial technology business, it can also increase operational risks. The integration of the cooperation business between the two parties may be accompanied by the transfer of risks. The three cooperation models analyzed in this study have no risk proliferation for banking business.
This study suggests that Taiwan's banking industry and P2P lending platform have the necessity of cooperation. It is better to rely on banks and platforms as a supplement. Banks support the platform industry to accelerate the establishment of brands by platform operators. The platform needs to segment customer market and make up for banks. The shortcomings of the existing market, strengthen its platform characteristics to enhance the willingness of banks to cooperate. In terms of supervision, it is necessary to strictly guard against the asymmetric opacity and gold flow management of platform lending information to avoid cooperation and risk contagion.
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