P2P网络借贷:传统民间借贷的线性回归

P2P Network Lending:Linear Regression of Traditional Folk Lending

P2P网络借贷是民间借贷利用互联网技术进行的一次信贷技术创新,它改变了民间融资市场的市场组织形式。P2P网络借贷具有四个特征:一是P2P网络借贷的技术基础是互联网技术的应用与普及;二是以小微企业为代表的弱势群体构成的长尾市场是P2P网络借贷的市场基础;三是小额借贷是P2P网络借贷的业务基础;四是信息不对称是P2P网络借贷的"遗传基因",解决这一问题是其生存的基础。从传统民间借贷到P2P网络借贷演示着民间借贷的技术创新、制度创新和组织创新,同时随着出借人的盈利模式从"利率覆盖风险"转变到"交易流量覆盖风险",这一过程本质上是大数据应用的过程。

P2P network lending is a credit technology innovation of private lending using Internet technology,which has changed the market organization form of private financing market.P2P network lending has four characteristics.Firstly,the technological basis of P2P network lending is the application and popularization of Internet technology.Secondly,the long tail market composed of vulnerable groups represented by small and micro-enterprises is the market basis of P2P network lending.Thirdly,micro-lending is the business basis of P2P network lending.Fourthly,information asymmetry is the genetic gene of P2P network lending,to solve this problem is the foundation of its existence.From traditional private lending to P2P network lending demonstrates the technological innovation,institutional innovation and organizational innovation of private lending.At the same time,with the change of the lender’s profit model from interest rate coverage risk to transaction flow coverage risk,this process is essentially a process of big data application.