国际P2P行业发展趋势与商业银行未来发展

The Trends in International P2P Industry and the Future Development of Commercial Banks

2005年全球首家P2P网络借贷平台Zopa在英国成立以来,P2P这一新型借贷模式迅速获得了市场认可。国际P2P平台未来预计将向着金融产品日趋专业性和复杂化的方向发展,资产证券化水平将会逐渐提高,风险定价能力提升,并为投资者提供更加专业的金融服务。目前,P2P平台的信贷规模仍处于较低水平阶段,对其风险定价的专业性和风险及成本管理的考验还未到来,商业银行在P2P平台冲击下消亡的可能性微乎其微。P2P平台与商业银行未来会首先经历一个以合作、借鉴等方式为主的融合阶段,最终基于各自优势,并针对不同的风险客户进行业务领域的重新分化。

Since the world＇s first P2P lending platform, the Zopa, was established in Britain in 2005, P2P, a new lending model, is rapidly accepted by lenders and borrowers in market. It is expected that international P2P platform will develop into one in which financial products are increasingly specialized and complex, the level of asset securitization gradually increases, risk-pricing ability is improved and investors can receive more professional financial service. Currently, lending scale in P2P platform is still small, the speciality of its risk-pricing and the management of risk and cost have not been tested yet. The possibility of commercial banks dying out due to the impact of P2P platform is very little. First, P2P platform and the commercial banks will cooperate and learn from each other, then they make use of their own advantages to divide business range according to customer＇s risks.