我国P2P借贷产业发展现状、问题及对策研究

The Research of P2P Lending's Development Status,Problems and Countermeasure

作为互联网时代下的特殊金融业务模式,P2P互联网借贷产业的出现既满足了民间借贷的需求,为投资者提供了投资渠道,也为我国中小型企业的持续发展注入了新鲜血液。自我国"互联网+"发展战略实施以来,以互联网技术为基础的P2P互联网借贷产业发展迅猛。然而由于大量P2P平台的关闭与跑路,导致我国金融监管部门对P2P产业的监管态度逐渐趋于严厉,P2P产业发展遇到了瓶颈,平台数量骤减。因此,文章以我国金融改革与创新为出发点,深入了解我国P2P产业发展状况,分析阻碍我国P2P产业发展的障碍及问题,并提出相应解决对策。

Since the implementation of China's"Internet Plus"development strategy,P2P lending,which is based on the Internet technology,is developing rapidly.However,with the lager number closure of P2P platforms,the China's financial regulatory authorities'regulatory attitude to P2P platforms has become severe.So in this paper,the author takes China's financial reform and innovation as the starting point to understand China's P2P development status and find the development problems,and finally to put forward the countermeasures.