P2P互联网金融发展中的信任问题研究

Research on the Trust in the Development of P2P Internet Finance

互联网金融作为普惠金融的载体,在快速发展的同时也出现了不少问题,尤以P2P网贷的问题最多、影响最大。通过总结P2P互联网金融的发展情况,梳理P2P互联网金融存在的问题,分别从P2P平台和资金需求者两个方面分析了不信任问题产生的根源。研究传统金融模式下信任问题解决方式,发现在传统间接融资模式下,通过银行中间信用人来解决信任问题;在传统直接融资模式下,通过行业监管机构和社会专业中介机构的工作来解决信任问题。借鉴传统金融模式的经验,提出解决P2P互联网金融中信任问题的八项措施。

As the carrier of inclusive financial system,Internet finance develops rapidly while containing numerous problems and exposures,especially in peer-to-peer lending（ P2P） field with the greatest influence. By summarizing the development situation and problems of P2 P Internet finance,the paper analyzes the origin of mistrust from two aspects： P2 P platform and capital consumers. Research is conducted on the solution to the trust issue in the traditional financing model,finding that the problem can be solved in proper ways： via banking brokers for the traditional indirect financing model and via regulators and social professional intermediary agents for the traditional direct financing model. Drawing on the experiences in traditional finance model, the paper proposes eight approaches to the trust issue in P2 P Internet finance.