泉州市P2P网贷行业调研报告

Quanzhou P2P Lending Research Report

采用问卷调查方式,了解泉州市个人客户的消费行为;采用深度访谈方式,调查泉州市相关的互联网中介平台运营模式及风控措施。结果发现,受访者对网贷平台已有一定认识,能接受P2P(个人对个人)理财;网贷平台均承诺对借款人承担连带责任,但未能详细说明平台承担界限。为更好地规范P2P网贷行业发展,需要明确P2P网贷机构信息中介性质,不得提供增信服务,不得非法集资。

The individual P2P consumer behavior of Quanzhou was probed with questionnaire, and the busi- ness models of P2P services in Quanzhou and their risk control measures were investigated with interview. The results showed that the respondents know about online lending services, find P2P （peer- to -peer） finance acceptable. The research also found that P2P services all claim joint and several liability for borrowers without any elaboration on their responsibilities and boundaries. P2P online lending services shall abide by the industry＇ s nature of informational intermediary, and not provide any assurance services or fund - raising.