P2P网贷平台的发展与建议

The Development and Suggestion of P2P Online Lending Platform

P2P网贷作为一种新兴借贷方式,其便捷的交易方式和较低的投融资门槛,为融资人和投资人带来了极大的便利。然而由于行业发展迅猛,监管反应滞后,以及平台天然的准入门槛低,融资人信用普遍偏低等原因,P2P行业近几年来暴雷现象频发,大量P2P平台企业出清。论文从我国P2P行业的发展历程入手,研究了平台企业违约现象的产生原因,结合政府出台的管理措施,提出相关建议,希望这一行业能够持续良性发展,为实体经济注入活力。

P2P lending,as a new way of lending,brings great convenience to financiers and investors because of its convenient transaction mode and low threshold of investment and financing.However,due to the rapid development of the industry,lagging regulatory response,low natural entry threshold of the platform,and generally low credit of the financiers,the P2P industry has experienced frequent explosions in recent years,and a large number of P2P platform enterprises have been clearing out.This paper starts with the development history of China’s P2P industry,studies the causes of the phenomenon of platform enterprise default,and puts forward relevant suggestions in combination with the management measures issued by the government,hoping that this industry can continue to develop healthily and inject vitality into the real economy.