P2B网络借贷融资模式研究

Research on P2B Network Loan Financing Mode

P2B网络借贷融资模式可以充分利用丰富的民间资金解决中小企业融资难题,而且相比P2P网络借贷模式风险更小。由于P2B网络借贷融资模式是一种刚刚兴起的网络借贷模式,所以法律身份的"合法"问题尚未解决,由此所引发的监管风险、平台风控风险等依然较大,应该从政府、P2B网络借贷平台、中小企业融资方三个角度采取措施加以解决。

P2B network lending financing pattern can make full use of the abundant private capital to solve the financing problem of small and medium-sized enterprises.Compared with P2P network model it has less risk.Because the P2B network loan financing mode is a newly formed lending model ,the legal status of the“le-gitimate”problem has not been solved.Hence,there is still risk in terms of supervision and control platform. The problems could only be solved by the co-work of government,P2B network lending platform and financing of small and medium-sized enterprises.