中国P2P网络借贷的发展现状及前景

The Development Status and Prospects of Chinese P2P Network Lending

P2P网络借贷是一种依托于网络而形成的新型金融服务模式,性质上属于小额民间借贷,其方式灵活、手续简便,为个人提供了新的融资渠道和融资便利,是现有银行体系的有益补充。我国P2P网络借贷未来的发展面临着个人信用体系不健全、相关法律法规缺失和行业自律性较差等障碍。作为一项金融创新,P2P网络借贷在发展初期遇到一些问题难以避免,在对其进行规范的同时,应给予其一定的发展空间。对商业银行而言,既要按照银监会要求,防范民间借贷风险向银行系统的转移,亦应关注其中的业务机会,积极开展对P2P网络借贷平台的资金监管服务。

P2P network lending is a new financial service model based on network.It has the features of small private lending,the flexible and simple procedures.It provides a new financing channel for individuals and is a useful complement to the existing banking system.The future development of China's P2P network lending faces such barriers as imperfect personal credit system,lack of relevant laws and regulations and poor self-discipline.,It is inevitable that P2P network lending,a financial innovation,encounters some problems at the early stage of development.At the same time it is regulated,it should be given some room for development.Commercial banks should follow the CBRC's requirements to prevent the private lending risk from transfering to banking system,concern about business opportunities and actively provide services for the supervision of funds of P2P network lending platform.