Case IV: PPDAI: Navigating the Digital Finance Landscape

  • Xiaoming ZhuEmail author
Part of the Management for Professionals book series (MANAGPROF)


PPDAI was China’s first online platform for unsecured credit-based P2P lending (peer to peer lending). PPDAI had three unique features that made it different from other Chinese P2P platforms: (1) As an intermediary agency between investors and borrowers, it did not get involved in any fund transactions, nor did it provide any kind of guarantee for investors. Instead, it charged commissions on services such as information matching and tools offering.



This case was written by Prof. Zhu Xiaoming, case writer Zhu Qiong, research fellow Ni Yingzi, and research assistant Huang Chengyan. The case writing was supported by PPDAI.


  1. Definition and Classification of P2P Lending in China[EB/OL]. (2015–07–09) [2015–09–10].
  2. P2Peye. Preparing to March into P2P Lending Market[EB/OL]. (2014–08–08) [2015–09–10].
  3. YU Z. 40 Percent of P2P Lending Platforms Went Awry Last Year[EB/OL]. (2017–02–08) [2017–04–06].
  4. Helloan. Three P2P Regulatory Policies Released in a Row in 2015[EB/OL]. (2015–08–01) [2015–09–10].
  5. JIN Y, MENG F. License Let Go, Consumer Finance Market Competition Intensified[EB/ OL]. (2015–06–15) [2015–09–10].
  6. WANG P. PPDAI released Its First Quarter Financial Performance Report[EB/OL]. (2017–04–17) [2017–09–22].

Copyright information

© Shanghai Jiao Tong University Press and Springer Nature Singapore Pte Ltd. 2019

Authors and Affiliations

  1. 1.China Europe International Business SchoolShanghaiChina

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