摘要
我国第一个P2P平台成立于2007年,其后的几年网贷平台仍是凤毛麟角,鲜有投资人士涉足。2010年,随着互联网技术以及互联网金融蓬勃发展,P2P平台进入蓬勃发展期,大批量网贷平台短时间内踊跃上线,逐渐成为传统金融业务的重要补充。2012年,“互联网+”战略的提出,网贷平台进入了爆发期。随之而来的是风险暴雷的爆发,2018年,577家平台从名声大作到声名狼藉。本文基于利益相关者理论指导,通过对P2P网贷平台发展现状和出现风险原因进行分析,提出对策建议,以促进网贷行业的良性发展。
The earliest P2P platform in China was established in 2007.In the following years,online loan platforms are still very rare and few investors have been involved.In 2010,with the rapid devel-opment of Internet technology and Internet finance,P2P platforms entered a period of vigorous development.In a short time,a large number of online loan platforms were launched,gradually becoming an important supplement to traditional financial services.In 2012,the“Internet+”strategy was proposed,and the online loan platform entered the outbreak period.What followed was an explosion of risk thunder,with 577 platforms going from fame to notoriety in 2018.Based on the guidance of stakeholder theory,this paper analyzes the development status and risk causes of P2P online loan platforms,and puts forward countermeasures and suggestions to promote the benign development of online lending industry.
出处
《金融》
2019年第3期189-196,共8页
Finance
