1. How should a company handle channel conflict with its distributors? Should online sales be an independent unit in a click- and-mortar firm? Will P2P lending disrupt banking?

2. We have define two main categories, First one is can make differentiate on product or service, second one is can not.  If can not make differentiate on product or service……the mainly solutions are Build-up the other company or subsidiary to process the other channel product or service. Operation and account Thus Independence. Or it can be the intermediary on new channel and existing channel.

3.  e.g. Pizza Hut and PHD Pizza delivered also is under a same group. Pizza is a pizza restaurant, and have delivered service, why it build -up the order brand for deliver service, because it self’s deliver service was deep effect on their restaurant income, if cancel the deliver service their existing deliver service, market share will give to the other competitor. for example pizza-box. So Pizza Hut independences the deliver service to decrease the channel conflict.

4. If can make differentiate on product and service ◦ Separate the product on each channel and target customers decrease the conflict on existing channel  For Example: cannot apply the Home Mortgage Loans, loan service at on online bank service, it just and advertisement, also need to process the application on physical bank, In physical bank cannot have free service for banking transition query., that separate the product to conduct the channel conflict.

5.  Profitable and wise decision  Expose the products to the world, more people knew that.  Can offer customers the benefits of fast, online transactions or traditional, face to face service.  Increase distribution channels  Sell your products 24x7

6. If we compare lending for P2P lending and banks, P2P lending models are very similar to banks. The difference is that P2P lending can provide loans for people requesting for small loan, people with lack of credit rating or low credit rating. The advantages of P2P loans are low interest rate for borrowers and high return rate for lenders in comparison with bank saving account rating.

7.  For borrowers, they are looking for lower interest rate for small loans. Some small loan may not get approve by bank while P2P lending actually helps find the right match for borrowers and lender for these P2P loans.  For Lender, they are looking to have their money in bank saving account to have better interest rate or use P2P lending as investment; P2P lending can provide them with better interest rate and better return for their money.

8. In summary, based on loans/bank saving/investment, P2P lending company does have impact on small loans, people looking for better bank saving account interest rate or people looking for better investment return to disrupt banking despite of the potential risks.