基于本质特征视角的P2P发展愿景展望

The Prospects for Development of P2P from the Perspective of Essential Feature

P2P伴随着互联网金融的兴起而快速成长,从产生到爆发性成长其争论之声从没停止过,由于对其认识上的不统一,导致对P2P的评价不一致,其发展目标、社会容忍、成长手段及对未来的愿景也各不相同。从P2P本质特征分析入手,掌握P2P的基本特征,便于抓住事物的本质和主要矛盾,从而对P2P未来的发展愿景作出科学的判断,对保持这一新生事物的发展才能提供一个良好的环境。P2P的特征有本质和非本质之分,本质特征是"互联网+民间借贷",非本质特征有互联网金融、信用中介、民间借贷等,P2P的本质特征已经充分表明其有美好的发展愿景,P2P有着巨大的需求市场和广泛的供给市场,同时也适应了金融市场多元化需求的发展趋势,现实中存在的问题是当前P2P所面临的监管、信任机制等不完善造成,这并不否定P2P生命力及生存发展。

P2P has been growing rapidly with the rise of Internet finance. From its rise to explosive growth, argument over P2P has never stopped. There has been no unified recognition and evaluation of P2P, and its development goal, social tolerance, growth method and prospects are also different. Starting from the analysis of essential features of P2P, the paper tries to master its basic features, essence and principal contradiction to make a scientific judgment on its future prospects, which helps to create a good environment for its development. P2P has essential and inessential features. The essential features refer to Internet plus private lending while the inessential features include Internet finance, credit intermediary and private lending. The essential features have fully shown that P2P will have good prospects： a great demand and a wide range of supply. P2P has adapted to the development trend of diversified demands in financial market. The existing problems of P2P are caused by the imperfect regulatory and trust mechanism, which can＇t deny the vitality, survival and development of P2P.