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2014年,注定成为互联网金融迅速崛起的一年。央行最新数据显示,截至三季度末,我国共有第三方支付机构269家,前三季度发生支付金额24.1万亿元,全国P2P网络借贷平台1400余家,融资余额超过1 100亿元。而仅仅两年前的2012年末,可统计的P2P平台线上业务借款余额还不足100亿元。互联网金融快速生长也产生了新问题:不见面的借贷,不知去向的用途,没保障的收益,让很多人感觉心里不踏实;而频频出现的网贷平台跑路、违规销售金融产品、网络支付诈骗等现象,更让众多小投资者很受伤。
2014, destined to become the rapid rise of Internet finance year. The latest data from the central bank showed that as of the end of the third quarter, there were 269 third-party payment agencies in China, with payments of 24.1 trillion yuan in the first three quarters and more than 1,400 P2P lending platforms across the country with a financing balance of over 110 billion yuan. And just two years ago, the end of 2012, statistics P2P platform online business loan balance is less than 10 billion yuan. The rapid growth of Internet finance has also created new problems: the unrealized borrowing, the unintended use, the unsafe benefits, leaving many people feeling unimpressed. The frequent occurrence of online loan platforms, irregular sales of financial products, online payment Fraud and other phenomena, leaving many small investors are injured.