成都市P2P网贷平台的发展现状分析

Analysis of the Development of P2P Network Lending Platforms in Chengdu

采用网络信息收集和实地走访相结合的方式首次对成都市P2P网贷平台的发展情况进行了研究。统计分析表明,成都市的P2P网贷平台还处在发展的初级阶段,离真正基于互联网技术的纯线上平台还有很大距离,具有竞争优势的公司屈指可数。为了更好促进成都市互联网金融的健康发展,建议不但要建立统一的P2P网贷平台交易信息系统,提高互联网金融市场的透明度,还要严格P2P网贷平台的市场准入,防范区域性金融风险,同时加强基础建设,优化互联网金融发展环境。

This paper firstly investigates the development of P2P network lending platforms in Chengdu by collecting data from internet combined with field study. The statistical results suggest that the P2P network lending platforms in Chengdu are still at the early stage of development and few platforms have a competitive edge, which are far from the pure online network lending platforms based on internet technology. In order to better promote the healthy development of the Internet finance in Chengdu, we suggest that the government should not only build a unified information system of transactions for P2P network lending platforms to improve the transparency of financial markets, but also enhance the market access of P2P network platform to prevent regional financial risks. At the same time, the government should strengthen infrastructure construction and improve the environment of Internet finance development.