基于SWOT模型的P2P网络借贷行业规范化管理探析

Peer-to-peer Lending Industry Standardization Management Based on the SWOT Model Analysis

随着知识经济的发展,众多P2P网络借贷行业不断向众多领域拓展业务,于是,网络借贷行业和各种借贷方式应运而生,并受到了很多用户群的追捧。网络借贷给人们提供方便的同时,也存在着很多问题和隐患,款项流向无监管,存在较大风险、进入门槛低,贷款过程过于简单、行业缺乏自律,借贷平台良莠不齐等。因此,文章旨在运用SWOT分析模型对P2P网络借贷行业业务进行优势、劣势以及存在的机会和风险进行分析,并给有针对性的规范化管理路径。

With the development of knowledge economy,many P2P lending industry to expand to many areas, so the network lending industry and a variety of lending way arises at the historic moment, and sought after by many user groups. Network lending to people with convenient while, also there are a lot of problems and hidden dangers, attention to regulation, there is a big risk, low barriers to entry, loan process is too simple, lack of industry self-discipline, borrowing the good and bad are intermingled, etc. To this, the purpose of this paper is to use SWOT analysis model to simulate the P2P lending industry business strengths, weaknesses, and the anal- ysis of existing opportunities and threats, and to give targeted standardization management path.