我国银行系P2P发展现状与困境分析

Analysis on the Current Situation and Dilemma of China's Banking P2P

目前我国具有商业银行背景的P2P平台主要有14家,包括5家独立经营的银行系P2P平台企业及9家银行自主搭建的P2P平台。各银行系P2P选择不同的商业模式运营,从而形成了不同的业务规模与业务形式。虽然具有商业银行天然信用背书,但银行系P2P的发展过程并不顺利。对14家银行系P2P的发展现状及问题进行了分析,并试图找到合适的方法来缓解银行系P2P的发展困境。

At present,China has 14P2 Pplatforms with commercial banking background,including 5P2 P with independent business enterprises and 9 P2 P with bank autonomy.These banking P2 Pschoose different commercial operation modes,leading to different scales and forms of business.Despite commercial banks＇natural credit endorsement,the development process of banking P2 Pencounters many difficulties.This paper studies the development status of the 14 banking P2 P platforms and theirproblems in the development process,in order to find a suitable method to ease these difficulties.