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近年来,P2P网络借贷发展十分迅速,成交金额逐年攀升,目前年成交额已经超过2000亿元。P2P网络借贷的爆发式发展,既扩大了P2P网络借贷的市场占有率,也催生了一些风险问题。本文就P2P网络借贷的基本模式做了简单介绍,深入分析了P2P网络借贷存在的风险以及对应的监管措施,以期加强对P2P网络借贷的监管,规范相关工作,促进P2P网络借贷和谐健康发展。
In recent years, P2P network lending has developed rapidly, and the transaction amount has risen year by year. At present, the annual turnover has exceeded 200 billion yuan. The explosive development of P2P online lending not only expands the market share of P2P online lending, but also gives rise to some risk issues. This article briefly introduces the basic mode of P2P online lending, analyzes the risks of P2P online lending and the corresponding regulatory measures in order to strengthen the regulation of P2P online lending, standardize related work and promote the harmonious development of P2P online lending.