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P2P是一种新兴的网络借贷模式,门槛比传统借贷企业低。且对于借款人来说信息相对来说比较对称,借款资金的流向更加透明化,便于掌控;对于贷款人来说,门槛低,且更加高效迅速。拍拍贷于2007年成立,总部设立于上海,是我国首个网络贷款的平台。近年来,拍拍贷的规模迅速扩大,从2008年来,我国的类似于拍拍贷的P2P网络借贷平台从初期的几家增加到了400多家,数量出现了爆炸式的增长,不少平台的年度融资额度都超过几亿元。
P2P is a new mode of online lending with a lower threshold than traditional lending companies. And for the borrower, the information is relatively more symmetrical. The flow of borrowing funds is more transparent and easy to control; for the lender, the threshold is low and more efficient and rapid. Pat loan was established in 2007 and headquartered in Shanghai, China is the first online platform for loans. In recent years, the scale of pat loan has been rapidly expanding. From 2008, the number of peer-to-peer P2P lending platforms in China increased from the initial few to more than 400, with an explosive growth in number. Annual financing quotas are more than several hundred million dollars.