摘要
P2P网络借贷是指资金的需求方和供给方在互联网上进行的小额资金借贷,是一种新兴的互联网商业模式。自2007年拍拍贷诞生之后,我国P2P网贷平台在过去5年经历了高速发展阶段,但因征信模式缺失已引发较多风险事件,并严重影响其可持续发展。以我国P2P网贷平台的发展现状和运作模式为出发点,对其在征信方面存在的问题进行剖析,并从技术层面和法律层面提出政策建议。
P2P network lending refers to micro-finance lending demand side and the supply side of funds on the Internet.It is a new Internet business model.Since the birth of the loan in 2007,the loan of P2P network platform in the past five years has experienced rapid development stage .But due to lack of credit model has been raised more risk events,and seriously affect their sustainable development.In this pa-per,based on the P2P net loan platform development status and mode of operation as a starting point,in terms of its credit analysis of the problems and put forward reasonable suggestions from the technical and legal aspects.
出处
《长江大学学报（社会科学版）》
2015年第10期34-37,共4页
Journal of Yangtze University（Social Sciences Edition）
基金
安徽省教育厅高校创新项目(gxcx10016)
