互联网金融创新背景下P2P网络借贷模式的风险与防控研究——以e租宝为例

Research on Fund Raising Risk and Prevention in P2P Model Based on Internet Financial Innovation——take Ezubao for an Example

文章互联网金融创新特点,分析P2P网络借贷模式的金融风险,结合"e租宝"非法集资案,梳理P2P网络借贷模式和非法集资的界定,对于金融创新要基于实体经济,加强宣传和监管、提升个人理财风险意识。

This paper analyzes the characteristics of Internet finance innovation, analyzes the financial risks of P2P network lending model, and combs the definition of P2P network borrowing mode and illegal fund-raising by combining with the case of “Ezubao” illegal collection of funds. Financial innovation should be based on the real economy, strengthen publicity and supervision, and enhance personal financial risk awareness.