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P2P网络借贷自从在我国登陆开始就呈现出爆炸式增长状态,成交金额正在逐年提高,并且出现了多家交易平台,与中国实际情况相结合形成了一些中国特有的模式,但是这些模式全部存在着风险,带给监管者与投资者很多挑战,本文对我国P2P网络借贷的运行模式、存在风险进行了分析,并且提出了风险管控策略,希望P2P网络借贷能够降低风险,更好的为我国人民服务。
P2P online lending has been in an explosive growth since its inception in China. The transaction amount is increasing year by year. There are several trading platforms that have emerged. Combined with China’s actual conditions, some unique Chinese models have been formed, but all of these models exist Risk, which brings many challenges for regulators and investors. This paper analyzes the operation mode and risk of our country’s P2P network lending, and puts forward the risk management and control strategy. It is hoped that P2P network lending can reduce risks and better serve our people .