analysis peer-to-peer (P2P) lending in U.S. and China

I want to analysis peer-to-peer (P2P) lending in U.S. and China
1. Analysis global P2P lending market. (analysis as a whole)
It should include:
1. The definition of P2P; what kind of services does p2p provide?
2. The market condition of the p2p lending
3. Business model (how p2p platform generates revenue, etc.)
4. Comparing with conventional banking, what are the Risks of P2P lending (comparing the difference between China and U.S.)
5. Regulations (comparing the difference between China and U.S.)

2. Detail analysis (Main Part)
1. Using two representative companies as main analysis objects (ONE CHINESE COMPANY AND ONE U.S. COMPANY). For U.S. p2p company, please using LendingClub as representative company. For Chinese p2p company, you can use Renrendai as representative company. For each company, please use its FINANCIAL REPORT to analysis its:
Business model
Growth and Profit
Fundamental analysis: Capitalization, assets, market size, stock price, equity per share, leverage, etc.
Development potential & Marker potential
2. Using some other Chinese and U.S. P2P companies (i.e. Lufax, On-Deck, Prosper, etc.) as auxiliary analysis objects and comparing these companies with the two representative companies. What are the comparative advantages of representative companies in P2P lending? What are the comparative advantage of these auxiliary companies in p2p lending?

Note: please first analysis American situation: the representative American company with other examples of American companies.
Then, analysis Chinese situation: the representative Chinese company with other examples of Chinese companies.
If possible, please do some comparisons of U.S. P2P and China P2P.

3. Finally, find out what services (i.e. small business lending or individual lending) of p2p lending are most profitable for a p2p company? What aspects of p2p lending have greater development potential?

NOTE: I will give you some companies’ financial reports and literatures of P2P industry as reference. Please feel free to use any sources if you think they are useful. Please list all references you quoted

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