摘要
P2P网络借贷平台作为互联网金融发展下的产物,不仅在一定程度上帮助国内中小企业解决融资困难的问题,还为投资者提供了一个新的投资渠道,P2P网络借贷平台的发展对我国金融业具有非常重要的意义。本文首先从P2P网络借贷平台的发展起源入手,介绍国外和国内P2P网贷平台的发展模式。具体以宜人贷和有利网为例,详细分析它们的运营模式。结合近期出台的《网络借贷信息中介机构业务活动管理暂行办法》的相关具体规定,发现问题并提出相应的建议,由点及面地总结国内P2P网络借贷平台存在的问题并提出建议。
Peer-to-peer network lending platform as a product of the Internet under the financial development, not only to a certain extent, domestic help SMEs solve their financing difficult problem, but also to provide investors with a new investment channels, peer-to-peer network lending platform development of China＇s financial industry has very important. Firstly, from the origin and development of peer-to-peer network lending platform, this paper introduces the development model foreign and domestic peer-to-peer net loan platform. Specific to yirendai. com and yooli. com example, a detailed analysis of their business model. With related specific provisions ＂Network Information lending agency operational activities Interim Measures,＂ the recent introduction,identify problems and make recommendations accordingly. Also summarized the domestic peer-to-peer network lending platform Problems from point to surface ground and make recommendations.
作者
陈沐青
林兴
Chen Muqing Lin Xing(Fujian Jiangxia University, Fuzhou Fujian,350108,China)
出处
《福建金融管理干部学院学报》
2017年第2期39-46,共8页
Journal of Fujian Institute of Financial Administrators
关键词
P2P网络借贷平台
运营模式
监管政策
peer-to-peer network lending platform
operation mode
regulatory polic
