新形势下我国P2P网贷平台转型及其发展对策分析

Analysis of the Transformation and Developmental Strategies of China's P2P Online Loan Platforms in the New Situation

P2P网贷平台归零并不等于市场完全出清,也不代表风险归零。比起P2P网贷平台的数量,更需要关注的是P2P网贷平台的退出及转型进展。分析P2P网贷平台转型为网络小贷公司、助贷机构和消费金融公司的现状,指出转型过程中的难题,从而提出P2P网贷平台转型后应加强信用平台建设、加大科技投入力度、加强创新和探索、拓展发展渠道、支持小微企业发展、支持“三农”发展等政策建议,具有重要的现实意义。

Reducing P2P online lending platforms to zero does not mean that the market is completely cleared,nor does it mean that the risk has been zeroed.Compared with the number of P2P online lending platforms,more attention should be paid to their exit and transformational progress.The paper made an analysis of the status quo of the transformation of P2P online lending platforms to online small loan companies,lending agencies and consumer finance companies,pointed out the challenges in the process,and proposed that we should strengthen the construction of credit platforms,increase scientific and technological investment,reinforce innovation and exploration,expand developmental channels,support the development of small and micro enterprises as well as the development of agriculture,rural areas and farmers,which is of great practical significance.