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国内网络借贷行业发展现状网络借贷拓宽了金融服务的目标群体和范围,有助于为社会大多数阶层和群体提供可得、便利的普惠金融服务,实现了低成本、高效率、大众化的小额投融资活动,对于“稳增长、调结构、促发展、惠民生”具有重要意义。网贷机构与传统金融机构相互补充、相互促进,在完善金融体系、提高金融效率、弥补小微企业融资缺口以及满足民间投资需求等方面发挥了积极作用。近两年,中国网贷行业在机构数量与业务规模方面呈现出迅猛增长的势头,据盈灿咨询统计,截至2016年8月底,全国正常运营
The Status Quo of the Development of the Domestic Network Lending Industry Internet lending broadens the target groups and scope of financial services and helps to provide accessible and convenient inclusive financial services to most sectors and groups in society so as to achieve low-cost, high-efficiency and popular small The amount of investment and financing activities is of great significance to “stabilizing growth, adjusting structure, promoting development and benefiting people’s livelihood.” The network credit institutions and traditional financial institutions complement each other and promote each other and play an active role in improving the financial system, improving financial efficiency, making up for the financing gap between small and micro enterprises and meeting the demand for private investment. In the past two years, China’s net loan industry has shown a rapid growth momentum in terms of the number of institutions and the business scale. According to the statistics of Yingcan Consulting, as of the end of August 2016, the national normal operation