P2P网络借贷平台“爆雷”的原因与对策

The Causes and Countermeasures of“Blasting Thunder”on P2P Lending Platform

自2018年6月起,P2P行业迎来了自诞生以来最大的一次“爆雷潮”;超过1300家P2P网络借贷公司在“爆雷”中倒闭,市场损失金额数以万亿。本文对P2P网络借贷平台爆雷的原因进行了剖析,认为该行业“爆雷”是由经济环境、国家政策以及平台内部原因等多方面因素所引起的;根据爆雷原因的分析指出,通过监管部门加强监管、平台加强内部审核、投资者加强对投资项目的了解等来减少P2P平台爆雷的风险的建议,以期为P2P网络借贷平台今后健康发展提供决策参考。

Since June 2018,the P2P industry has ushered in one of the biggest“thunderstorms”since its birth;more than 1,300 P2P online lending companies have closed down during the“explosion”,and the market loss has reached trillions.This article analyzes the causes of thunderstorms on P2P online lending platforms,and considers that the industry's“thunderstorms”are caused by various factors,such as the economic environment,national policies,and internal reasons of the platform;according to the analysis of the reasons for thunderstorms,it is pointed out that strengthening supervision by the supervision department Proposals to strengthen internal audit of the platform and investors'understanding of investment projects to reduce the risk of P2P platform thunderstorms,with a view to providing decision-making reference for the healthy development of P2P online lending platforms in the future.