我国P2P网络借贷中存在的问题及其发展趋势探讨

The Problems and the Developing Trends of P2P Network Loan in China

P2P网络借贷是一种以互联网平台依托的创新金融模式,从根本上说属于民间借贷范畴。近些年来,随着互联网金融业的发展,我国P2P网贷理财行业异军突起。尤其是随着银行储蓄利率的趋零化、股市的风波不断和通货膨胀的时隐时现,普通工薪阶层对于财产保值增值的需求日益高涨。然而,p2p互联网理财行业中存在的突出问题例如监管困难和相关法律法规不健全,"跑路"风潮一波未平一波又起,不仅让广大投资者的财产血本无归,甚至引发群里性事件危害社会的和谐稳定。本文从P2P行业的特点、发展现状以及存在的问题出发,为潜在的战略新兴产业献言献策。

P2P network borrowing is an innovative financial model relying on the Internet platform,which is fundamentally a category of private lending. In recent years, with the development of the Internet financial industry, China's P2 P network banking financial management industry has sprung up everywhere.Especially with the bank deposit interest rate of zero, the stock market storm and inflation, the time is now hidden, the general working-class value for the increasing demand for property value. However, p2 p Internet financial industry in the outstanding problems such as regulatory difficulties and related laws and regulations is not perfect, ' Paolu' wave of uneven wave after another, not only for the vast majority of the loss of property investors, or even lead to group Events harm social harmony and stability. In this paper, the characteristics of the P2 P industry, the status quo and the existing problems for the potential strategic emerging industry speech and offer ideas.