P2P现状与大学生网贷的分析探究

Analysis and Exploration over P2P and College Students Network Loan’s Current Situation

P2P网络借贷平台是互联网金融的创新模式,近年来在我国快速兴起。这种创新性的互联网融资模式发展了惠普金融,较好地解决了中小企业以及低收入群体资金周转困难的问题。然而P2P模式的很多问题也逐渐暴露出来,P2P的特点决定了其风险性,也在社会中产生了很多问题,尤其是针对大学生的不良网贷平台乱象,扰乱校园秩序,危害社会和谐稳定。为此,应该加大对于P2P网络借贷平台的监管力度,并且加强对于大学生的思想教育工作,树立正确的价值观念,可以有效地预防和解决不良网贷问题。

P2P network loan platform is the innovation formation of Internet finance,which has rapidly developed recently in our country.This kind of creative Internet money funding model helps the development of inclusive finance system and provide a good solution to small and medium businesses and low income group's problem of the difficulty of raising money.However,P2P has some problems,its risks are derived from its property,and it raises social problems.Especially the P2P network loan platform aiming at the college students,it disturbs the orders in the campus and harms the stability of the society.Therefore,the government should strengthen the regulation and control over the P2P network loan platform,and pay more attention to the college students'ideological education to build correct value,so the problems caused by the P2P network loan platformcan be effective precaution and solution.