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自2007年我国第一家P2P网络借贷(后文简称“网贷”)平台“拍拍贷”成立以来,随着互联网技术的进步和经济的增长,我国P2P网贷平台得到了迅猛的发展。平台数量和成交额节节攀升,但问题也随之而来,P2P网贷风险问题得到了各界广泛关注。本文根据P2P网贷的风险分类,概括国内关于P2P网贷风险的主要研究观点及风险管控措施,探讨未来我国P2P网贷发展的方向。
Since the establishment of China’s first platform for P2P lending (hereinafter referred to as “net loan”) platform and “patting loans” in 2007, with the advancement of Internet technology and economic growth, China’s P2P lending platform has been Rapid development. The number of platforms and transaction volume climbed steadily, but the problems also followed. The P2P network credit risk problem has drawn wide attention from all walks of life. Based on the risk classification of P2P network credit, this article summarizes the main research opinions and risk control measures of domestic P2P network credit risk, and explores the future direction of the development of P2P network credit in China.