一、引言近年来,国家货币紧缩政策导致市场资金面收紧,从而催热了诸多金融创新模式。除大量小额贷款公司涌现外,市场上又悄然兴起了一些致力于为借贷双方提供融资信息服务平台的公司,即“个人对个人”(Peer to Peer,或称P2P)信用贷款服务平台(以下简称P2P平台公司)。这种模式首先出现在英国和美国,英国第一个P2P贷款公司是 I. INTRODUCTION In recent years, the tightening monetary policy of the state has led to the tightening of market funds, which has accelerated many financial innovation models. In addition to the emergence of a large number of small loan companies, some companies that provide financing information service platforms for borrowers and lenders are quietly emerging on the market, namely, the “Peer to Peer” (P2P) credit loan service platform (Hereinafter referred to as P2P platform company). This model first appeared in the United Kingdom and the United States, Britain’s first P2P lending company