摘要
P2P网络信贷作为互联网金融的重要创新模式,逐渐受到学术界的高度关注。本文选取国内四种基本运作模式的代表性平台作为研究对象,分别对四家P2P网贷平台的运作模式、基本参数、风控策略进行比较研究,研究发现,线上线下结合的O2O模式将成为主流;银行业金融机构实施第三方资金存管是必然趋势;平台去担保化或将成为行业重要议题以及科学有效的风险管理是平台成长的关键条件。
As the important innovation pattern of the internet finance, online peer-to-peer（P2P） lending is attracting more and more attention by the academic field. This paper selects the representative platform of four kinds of basic operation modes in China as the study object to compare and study the operation mode, basic parameters and risk control strategies of the four P2 P network lending platforms. The founding shows that online/offline O2 O mobile will become the mainstream; banking financial institutions implement escrow system is an inevitable trend; removes security of P2 P platforms will be the significant subject and scientific and effective risk management is a key condition for the development of the platform.
出处
《价值工程》
2016年第2期28-30,共3页
Value Engineering
关键词
P2P网络信贷
网贷平台
运作模式
online peer-to-peer（P2P） lending
platform
business model
