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作为新兴业态的互联网金融,在过去几年高速发展的同时,一些扰乱金融秩序的行为频发,引发监管层的高度关注。2016年4月以来,我国开始对互联网金融进行专项整治,其中P2P网贷是重点整治领域。本文扼要分析互联网金融专项整治的背景和影响,客观分析P2P网贷行业的发展现状和前景,并就商业银行应对P2P网贷发展提出对策建议。
As a new form of Internet finance, with the rapid development in the past few years, some acts of disrupting the financial order have caused frequent concern of regulators. Since April 2016, China has started a special remediation of Internet finance, of which P2P lending is the key area for remediation. This article briefly analyzes the background and impact of Internet finance special rectification, objectively analyzes the status quo and prospects of the development of P2P net loan industry, and puts forward countermeasures and suggestions on the development of P2P net loan for commercial banks.