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P2P网贷平台作为一种新兴事物,发展迅猛。尤其是借助“互联网+”的概念,P2P网贷平台更是日渐盛行。P2P网贷平台为小微企业和个人提供短期、小额贷款,活跃了民间金融市场。同时,对于拥有少量闲散资金的个人,P2P网贷平台提供了一种新型的投资理财模式,成为传统金融的有益补充。然而,由于各种内外因素的叠加,导致P2P网贷平台不能很好地将借贷双方对接在一起,出现了一系列问题。所以,相关政策和法律应当及时跟进,严格规范,才能发挥P2P网贷平台应有的作用,促进我国网络小额借贷资本市场良性发展。
P2P network loan platform as a new thing, the rapid development. Especially with the “Internet + ” concept, P2P network loan platform is increasingly prevalent. P2P lending platform for small and micro businesses and individuals to provide short-term, small loans, active in private financial markets. At the same time, for those individuals who have a small amount of idle funds, the P2P network loan platform provides a new mode of investment and financial management and becomes a useful supplement to traditional finance. However, due to the superposition of various internal and external factors, P2P lending platform can not well connect the lenders and borrowers together and a series of problems have arisen. Therefore, the relevant policies and laws should be promptly followed up and strictly regulated in order to play the due role of P2P online loan platform and to promote the healthy development of China’s network of micro-loan capital markets.