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网络借贷作为一种新型融资渠道,尽管具有参与面广、效率高等优点,但实际运营中仍存在资金安全缺乏、个人信息安全、涉及非法集资等问题。我们希望通过对商业银行及信托公司进入网络借贷市场可行性分析,构建出一个更适合中国国情的网络借贷体系,更好地缓解中小企业借贷难问题,推进民间借贷阳光化发展,从而焕发中小企业的动力,推动国民经济更好地发展。
As a new financing channel, online loan has many advantages such as extensive participation and high efficiency. However, there are still some problems in the actual operation, such as the lack of funds, the security of personal information and the illegal fund-raising. We hope that through the feasibility analysis of commercial banks and trust companies entering the online lending market, we will construct an online lending system that is more suitable for China’s national conditions, better alleviate the problem of borrowing and lending of SMEs, and promote the development of private lending and sunshine, so as to rejuvenate small and medium-sized enterprises Drive the national economy to develop better.