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P2P网络借贷作为一种新兴的互联网金融模式,自欧美等发达国家兴起后,近年来在我国得到了快速地发展。作为一种新兴的民间中介机构,P2P网贷平台具有一定的现实价值和存在意义。网贷行业满足了特定人群的投融资,表现出了巨大的市场潜力,其规模也始终高速增长,具有极强的生命力与成长性,然而当前P2P运作过程中出现的道德风险、项目风险、模式风险和技术风险等因素使行业中乱象充斥。本文从P2P网贷模式的特征出发,分析了P2P网贷模式的风险及其产生原因,根据分析结果提出我国P2P网贷模式监管的基本原则和政策建议,进而寻求我国网络借贷健康发展的道路。
As a new kind of Internet financial model, P2P network loan has developed rapidly in our country in recent years since the rise of developed countries such as Europe and the United States. As a new private intermediary agency, P2P network loan platform has some realistic value and existent meaning. The net loan industry has satisfied the investment and financing of certain groups of people and has shown tremendous market potential. Its size has also been growing at a very high speed with great vitality and growth. However, the current moral hazard, project risk and mode Risk and technological risks and other factors make the industry full of chaos. Based on the characteristics of P2P network loan model, this paper analyzes the risk of P2P network loan model and its causes. According to the analysis results, it puts forward the basic principles and policy recommendations for the regulation of P2P network loan model in our country, and then seeks the way for the healthy development of network loan in China.