P2P模式对商业银行信用机制建设的借鉴分析

Analysis of P2P Model's Reference to Commercial Banks' Credit Mechanism Construction

在我国P2P网络借贷经历了萌芽期、高速发展期、风险爆发期、政策调整期四个阶段之后,大批平台退出或转型,但其对我国商业银行信用机制建设的借鉴价值不容忽视。本文通过阐述P2P在我国的发展历程与现状,对P2P网络贷款与商业银行信贷进行了SWOT分析,提出了商业银行信用机制建设借鉴P2P模式的具体策略。

China's P2P online lending has experienced four stages,namely the embryonic stage,the rapid development stage,the risk outbreak stage and the policy adjustment stage.After the four periods,a large number of platforms withdraw or transform.However,the reference value of P2P online lending to the credit mechanism construction of commercial banks in China cannot be ignored.This paper expounds the development process and current situation of P2P in China,carries out SWOT analysis on P2P online lending and commercial bank credit,and puts forward specifi c strategies for commercial bank credit mechanism construction to use P2P mode for reference.