摘要
近年来，中国金融业面临重大改革，人民币国际化、利率市场化和存款保险制度等改革措施不断推进。随着金融业改革的推进及互联网技术向金融业的不断渗透，我国互联网金融业务飞速发展，互联网金融概念风靡全国各个行业。作为互联网金融的典型代表，我国P2P网络借贷自2012年以来，以井喷式的速度发展，P2P平台数量、交易总额、借贷余额及交易人数都以惊人的速度不断增长。P2P行业迅速发展，一方面丰富了我国金融环境，有利于金融创新发展；另一方面也对金融监管提出了更高的要求，P2P行业监管尚不健全，平台跑路、停业、无法正常提现等现象频繁发生，P2P行业急需整顿。银行系P2P的出现对我国P2P行业的发展提出了新的发展方向，银监会也初步肯定了传统商业银行引导P2P行业健康发展的思路。对银行系P2P的深入分析对多方都有重要意义，其一，对学者们对我国银行系P2P进行更加深入的研究有重要意义；其二，对相关从业人员把握行业发展方向、进行业务模式创新有重要意义；其三，对监管层制定P2P行业相关政策、解决行业问题、规范P2P行业运行有重要意义；其四，对银行及其他金融机构借鉴P2P网贷模式进行业务创新有重要意义。
In recent years, China＇s financial industry is facing major reforms, and the reform measures such as RMB internationalization, interest rate marketization and deposit insurance system have been continuously promoted. With the advance of financial industry reform and the penetration of Internet technology into the financial industry, China＇s Internet financial business has developed rapidly, and the concept of Internet finance has swept all sectors of the country. As a typical representative of Internet finance, China＇s P2P network lending has been developing at a blowout rate since 2012. The number of P2P platforms, total transaction volume, lending balance and trading volume are increasing at an alarming rate. The rapid development of P2P industry, on the one hand enrich our financial environment conducive to the development of financial innovation; on the other hand also put forward higher request to the financial supervision, for example P2P industry regulation is not perfect, and the platform disappears, or the phenomenon of not having cash normally. P2P industry needs consolidation. The emergence of banking P2P has brought new directions for the development of P2P industry in China. The CBRC also affirmed the idea of traditional commercial banks guiding the healthy development of P2P industry. Analysis on the banks of P2P have important significance for the multi. Firstly, it has important significance to study the banking system P2P for scholars ;secondly, for ithas important significance to grasp the industry development direction, and the business model innovation the relevant personnel ; thirdly, it has important significance to the regulators to develop P2P industry related policies to solve the problem and in regulating the P2P industry operation; fourthly, the banks and other financial institutions from P2P net loan business model innovation has important significance.
