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P2P网贷是近年来兴起的一种基于互联网的点对点的贷款业务,它主要针对个人和小型企业等的贷款业务,具有申请金额小,周期短和数量庞大的特征,符合互联网金融的新发展方向。自从2004年互联网金融兴起以来,网上的P2P网贷平台呈爆炸式增长,但与此同时也有百分之三十以上的平台存在问题,整个行业依然游走在法律的边缘。2016年8月,针对P2P互联网金融的法律文件首次出台,本文将结合此文件,分析P2P网贷兴起的原因背景和发展现状,并陈列存在的问题和解决办法,为P2P网贷的未来发展提供参考。
Peer-to-peer lending is an Internet-based peer-to-peer loan business that has emerged in recent years. It focuses on loan businesses such as individuals and small businesses. It has the features of small application amount, short cycle and huge quantity, which accords with the new development direction of Internet finance . Since the rise of Internet finance in 2004, the platform for online P2P loans has exploded, but at the same time, more than 30% of the platforms have problems. The whole industry still walks on the edge of the law. In August 2016, the legal document on P2P internet finance was first introduced. This article will combine this document to analyze the background and current situation of the rise of P2P online credit, and display the existing problems and solutions for the future development of P2P online credit reference.