我国P2P行业发展存在的问题、对策及趋势研究

Study on the problems, countermeasures and tendency of P2P industry in China

近年来,P2P网络借贷平台发展迅速,因此获得了极大的关注。但是由于行业门槛低,征信系统和风险防范机制不完善加之缺乏必要有效的监管和行业自律,带来行业的混乱。文章通过对P2P行业存在的问题进行分析,提出相关的改进建议,研究该行业的发展趋势,以使人们在充分了解P2P的基础上更好地促进行业的发展。

In recent years, P2P network lending platform has developed rapidly, so get a lot of attention. However, due to the low threshold of the industry, credit system and risk prevention mechanism is imperfect, coupled with the lack of necessary regulatory and industry self-discipline, bringing industry conlusion. This paper analyzes the problems existing in the P2P industry and puts forward relevant suggestions to improve the development trend of the industry, so as to promote the development of the industry on the basis of P2P.