P2P网贷平台发展趋势研究

Trends of P2P Network Lending Platform

P2P网络借贷作为互联网金融的一部分,近几年来在我国发展迅猛,但由于存在法律空白、监管缺失等问题,其发展的同时也遇到了一定的问题,导致成长受阻。随着监管细则的即将出台,P2P平台未来的发展趋势备受关注。为了更好地预测P2P网贷平台的发展趋势,本文运用系统动力学的相关知识建立了P2P网络借贷平台的成长模型,并运用系统仿真的方法预测出P2P平台的数量先是保持持续增长,之后会出现大幅下降。

As part of the Internet financial,P2 P network lending develops rapidly in recent years. However,P2 P network lending encounters such problems as lack of relevant laws and regulations,which block the development of P2 P. As the regulatory rules will be soon made,the development trend of P2 P attracts much attention.To make accurate predictions of P2 P,the growth model of P2 P network lending platform is built based on the knowledge of system dynamics,and through the system simulation,it is predicted that the number of P2 P network lending platforms first maintains a sustainable growth and then has a rapid decline.