P2P平台的风险与应对策略

Analysis on P2P Platform Risk and Countermeasures

P2P网络贷款是一种将互联网的优势和民间借贷有机融合的新兴商业模式,依赖其便利、经济的特点,迎合了中国民间小微贷款不畅的现实需求,繁荣了我国的借贷市场,对我国的经济发展起到了积极的促进作用。但因为监管不当、行业不够规范、法律法规滞后,出现了集资诈骗等一系列不良问题,引起社会上的普遍质疑。如何面对P2P平台的风险及挑战,找出应对策略,是摆在我们面前亟待解决的问题。

P2P network loan is a new business model with the Internet advantages and the organic integration of private lending, rely on its convenience and economic characteristics, meet the Chinese folk realities of small and micro loans to poor demand, the prosperity of our country's loan market, to China the economic development has played a positive role in promoting. But because of improper regulation, the industry is not standardized, laws and regulations lag, there has been a series of adverse financial fraud and other problems, caused widespread questioning society. How to face the risks and challenges of P2 P platforms, find the key to solute the problem. It's a challenge we need to deal with in front of us.