P2P网络借贷的现状与发展初探

Simply study on P2P lending status and development

随着互联网技术的快速发展和普及,P2P网络借贷作为一种新型的互联网金融模式在近几年迅速发展,在金融产品和服务方面弥补了传统金融业的缺陷。同时,也是一种新型的民间借贷方式,它的存在和发展使得民间借贷方式更加阳光化和多元化,社会闲散资金的配置更加合理,拓宽了民间资金的投资渠道,缓解了我国中小微企业和个人的融资难困局,繁荣了我国民间借贷信用市场。但由于缺乏法律法规的规制和有效的监管,P2P网络借贷出现了诸如提现难、跑路、倒闭等危害社会金融稳定运行的风险。

Along with the rapid development and popularization of Internet technology,the P2P lending as a new kind of Intemet financial model is developing rapidly in recent years,in terms of financial products and services to make up for the defects of the traditional financial industry.Meanwhile,it is also a new kind of private lending, the existence and development of P2P lending made private lending more bright and diversified,and made allocation of idle fund from society more reasonable.It also broaden the investment channels of private lending, eased the financing difficulties of small and medium enterprises and individuals, and prospered the credit market of private lending in our country.However, due to the lack of legal regulation and effective supervision, P2P lending has emerged as difficult in withdrawing cash, running away, going bankrupt and other risks which endangered the stability operation of social and financial. For this purpose, I had raised the exploration of the future development of P2P lending.