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P2P网络借贷,是有资质的第三方互联网平台通过匹配投资者和借款者来完成放贷。我国2007年引入P2P网络借贷模式,并在2013年快速发展起来。在井喷式增长的同时,P2P借贷的风险也逐渐暴露出来,并桎梏着P2P借贷平台的发展,加强风险管理成为必然选择。本文对P2P网络借贷的过程中各个环节出现的风险进行分析,结合国内实际情况提出了制定和完善相关法律法规、加强P2P行业自律组织的建设等措施。
P2P network lending, is a qualified third-party Internet platform by matching investors and borrowers to complete the lending. In 2007, China introduced the P2P network lending model and developed rapidly in 2013. At the same time of the blowout growth, the risk of P2P lending is gradually exposed, and the development of P2P lending platform plays an important role. Strengthening risk management becomes an inevitable choice. This paper analyzes the risks in every link during the process of P2P network lending, and puts forward some measures to formulate and perfect relevant laws and regulations and strengthen the construction of self-regulatory organizations in P2P industry according to the actual situation in our country.