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随着互联网技术的普及,“互联网+金融”已经成为社会发展与金融创新的必然趋势。本文基于创新扩散理论,通过分析2014~2016年间P2P行业的参与人数数据,探索P2P网络借贷在中国过去两年里的渗透情况。2005年联合国提出了普惠金融概念,以可负担的成本为小微企业、农民、城镇低收入人群等弱势群体提供有效、合理的金融服务。由此扩大到互联网金融领域,经手机,
With the popularization of Internet technology, “Internet + Finance” has become an inevitable trend of social development and financial innovation. Based on the theory of innovation diffusion, this paper explores the penetration of P2P online lending in China in the past two years by analyzing the data of the number of participants in the P2P industry from 2014 to 2016. In 2005, the United Nations put forward the concept of inclusive finance to provide effective and reasonable financial services to vulnerable groups such as small and micro-enterprises, peasants and urban low-income people at an affordable cost. From this expansion to the Internet finance, the mobile phone,