P2P融资模式存在的风险及防范对策研究

The Study on Risk and Countermeasures in P2P Financing Mode

互联网金融制度下的P2P网络信贷是一种比较成功的小贷发展模式,而小微企业最青睐的就是正处在发展势头中的P2P网络信贷。当前P2P行业迅速发展,且形成了一定的规模,并已初步形成一个崭新的行业。但P2P平台的不断跑路现象也暴露出平台存在风险及缺陷。所以,控制风险是P2P平台赖以生存的前提,也是P2P行业长期保持竞争优势的关键。

Under the Internet financial system, P2P network credit is a small successful loan development mode. And what Small and micro businesses most favored is the developing P2P network credit. Now P2P industry has de- veloped rapidly and has formed a certain scale. It has already formed a new industry preliminary. But the phenome- non of P2P platform, s continuous running away also exposed platform, s risks and defects. So, risk control is the premise for the survival of P2P platform. It is also the key to maintain a long-term competitive advantage of P2P in- dustry.