Decentralization of P2P network lending
(1) P2P matchmaking mode
the Xueshuo innovation blockchain Technology Workstation of Lianqiao ecation online is the only approved "blockchain Technology Specialty" pilot workstation of "smart learning workshop 2020 Xueshuo innovation workstation" launched by the school planning, construction and development center of the Ministry of ecation of China. Based on providing diversified growth paths for students, the professional station promotes the reform of the training mode of the combination of professional degree research, proction, learning and research, and constructs the applied and compound talent training system
Dharma and dydx are peer-to-peer agreements to match borrowers and lenders. Therefore, the number of loans and borrowings based on the two agreements is equal
for example, in Dharma, smart contracts act as "guarantors" to evaluate the asset prices and risks of borrowers. The creditor decides whether to loan to the borrower according to the evaluation results provided by the "guarantor". At the same time, when the borrower fails to repay on time, the "guarantor" will automatically carry out the liquidation procere. The maximum borrowing period of Dharma platform is 90 days, and the loan interest is fixed. The lender's funds are locked ring the loan period, and only after matching with the borrower can it start to earn interest
dydx protocol is also a P2P mode, but the main difference between it and other lending platforms is that dydx also supports other transactions besides borrowing and lending, such as futures trading. When a trader opens a position in dydx, he or she will borrow margin and reach an agreement with the lender on the terms through the platform to conct margin trading. Therefore, the target customers of dydx are mainly margin dealers. The interest of the dydx platform is variable, and there is no lock-in period or maximum term for users to borrow money on the dydx platform< The first mock exam mode of BR / > (2) is
take compound as an example, borrowers and lenders trade through the liquid trading pool instead of matching with counterparties. The interest rate of each loan and loan is determined by the liquidity of the pool, that is, the ratio between the total amount of money provided by the lender and the total amount of money demanded by the borrower. Compound doesn't set a fixed loan term, so the lender can deposit the funds into the loan pool, continuously earn interest, and withdraw the assets at any time. The borrower has an unlimited contract period
according to market research, as of February 20, 2021, the total borrowing volume of the decentralized mortgage market hit an all-time high of US $8 billion for the first time. Decentralized lending market is a network system based on smart contract, where cryptocurrency holders can lend their assets / certificates on the chain to others to make profits.
currently, the top three defi protocols in the total amount of borrowing are:
1, compound: the total amount of borrowing is 4446012599 US dollars, accounting for 55.60%
2. Maker: the total amount of borrowing is 2335968433 US dollars, accounting for 29.21%< 3. AAVE V1: the total amount of borrowing is 643772395 US dollars, accounting for 8.05%<
the Xueshuo innovation blockchain Technology Workstation of Lianqiao ecation online is the only approved "blockchain Technology Specialty" pilot workstation of "smart learning workshop 2020 Xueshuo innovation workstation" launched by the school planning, construction and development center of the Ministry of ecation of China. Based on providing diversified growth paths for students, the professional station promotes the reform of the training mode of the combination of professional degree research, proction, learning and research, and constructs the applied and compound talent training system.
centralization has the advantage of centralization, which should not be too one-sided.
the integration of P2P instry and "blockchain" can not only make use of the unique advantages of "blockchain", but also make the whole instry more "transparent", injecting fresh blood into the whole instry. At the same time, as time goes on, blockchain technology may exist in a large ecosystem with both centralized and decentralized modes. In the future world, there may be considerable complementary space for both centralized and decentralized models
however, at present, most of them just stay in the theoretical stage, and the actual application scenarios do not appear. However, the combination of digital currency and tea is indeed a relatively novel project. Puyin group launched the tea based digital currency Puyin.
when we talk about the marketization of interest rate, there is no risk exposure, no breaking of rigid cashing, no event of default, where is the risk pricing. If we do not break the rigid cashing, and do not really realize the risk pricing, China has only finance, not finance
first, breaking the rigid cashing is the premise to improve the efficiency of resource allocation
secondly, rigid cashing is the result of financial system distortion
thirdly, break the rigid cash in an orderly way to prevent systemic financial risks.
Because this instry is too chaotic, many lending platforms are not formal financial institutions, leading to large-scale misappropriation of funds, bringing financial risks
The collapse of all domestic P2P lending institutions represents the end of an era< p> Now the domestic P2P network lending institutions have closed down. From the side, the Internet asset management and equity crowdfunding work is now close to saturation, and has turned into a normal operation mode. At present, it is dealing with some problems in the development process, standardizing the deposit business of commercial banks and other third-party Internet platforms, and cleaning up all kinds of trading venues 
if the organization has few projects and many bad debts, it is likely that the organization will go bankrupt. After bankruptcy, not only the heads of the institutions will go bankrupt, but also the financial bubbles created will all be destroyed, which is a fatal blow to the financial market. p>
the government has launched a serious crackdown on and rectification of irregular online loans
in the current market, there are many informal online lending channels. The state has implemented the crackdown on these unscrupulous online lending, which is a very good thing for us. Because after the implementation of the national plan, the network will also become a pure land, and there will not be many people who will commit suicide because of loans
First, why should we stop itif the state does not boycott, the public may be more hurt. Now all kinds of messy software are rampant, there are many inced advertisements in the video, and even some loan platforms are star endorsements, which we must stop. And recently, there are often some suicides in campus loan routines, which will cause greater losses and greater impact if ignored. Therefore, I think this implementation is a very good thing{ RRRRR}
so when we see these advertisements, we usually don't click on them and just listen to them. Don't take them seriously. Online lending is a swamp, and we can step out when we fall into it
I hope it can help you. If your problem is solved, please click to adopt it. Thank you
After the P2P network loan is cleared, has it returned to zero? Is it true that people who borrow money don't pay back
on November 27, 2021, with the disclosure of the high level of supervision, the actual operation of P2P online lending institutions across the country has completely returned to zero from the peak of about 5000 companies, which immediately aroused a heated discussion among the majority of Internet users
now, in P2P instry with only chicken feathers left, it seems that both lenders and borrowers are obviously in fear. After the ebb tide, how many families are in deep pain