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015年“互联网+”正式的出现在政府工作报告中,这意味着“互联网+”正式被纳入顶层设计,成为国家经济社会发展的重要战略。而P2P金融模式作为互联网金融的重要组成部分,逐渐引起人们的关注。但在经历了粗放发展期后,也同时暴露出了很多诸如平台倒闭、跑路、非法集资等风险,引起了监管层的注意。因此,为了P2P网贷的持续健康发展,有必要对P2P网贷平台发展过程中暴露出的风险加以管控,引入外部审计。
In 2015, “Internet +” officially appeared in the government work report, which means that “Internet + ” has been formally incorporated into the top-level design and has become an important strategy for the country’s economic and social development. P2P financial model, as an important part of Internet finance, has gradually drawn people’s attention. However, after the extensive development period, many risks such as platform closures, footpaths and illegal fund-raising have also been exposed, attracting regulators’ attention. Therefore, in order to maintain the healthy and healthy development of P2P net loans, it is necessary to control the risks exposed during the development of P2P net loan platforms and introduce external auditing.