摘要
P2P信贷即网络信贷,具有小额、无担保、快捷、网络化的特点,又被称作"草根"金融模式。P2P信贷模式在全球范围内发展迅猛,迸发出强劲的生命力,近几年我国也相继诞生了上千家P2P信贷平台。通过对P2P信贷模式的运营模式、自身优点和存在的风险进行研究分析,进而提出解决P2P信贷风险的建议。
P2P lending, namely lending through network, with petty, non-guarantee, networking features, is also known as ＂grass roots＂ financial model. In recent years, P2P lending is developing rapidly all over the world; our country has born thousands of P2P lending platforms. Based on the investigation and analysis of P2P lending＇ s business model, advantages and risks, the article puts forward the solution to solve the risk of P2P lending.
出处
《金融理论与实践》
CSSCI
北大核心
2012年第2期58-61,共4页
Financial Theory and Practice
关键词
金融创新
P2P信贷
运营模式
Finance Innovation
P2P Lending
Business Model
