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P2P网络借贷,指的是以互联网平台为媒介的个人或中小微企业之间资金借贷。2007年,拍拍贷的上线成为我国首家P2P网贷平台,互联网金融打破了时空界限,方便人们的资金借贷。从2010年以来,我国P2P行业在监管缺失的状态下表现出爆发式的增长,成为互联网金融行业的一个生力军,但也正是因为缺失监管,危机变得一触即发。2016年相关政策的出台预示了网贷行业洗牌的开始,伴随相关监管细则公布与行业监管力度加大,平台运营商感受到空前的压力。本文从我国P2P发展的角度出发,对P2P多年来发展的问题进行总结、对其提出建议,并根据近两年P2P监管的情况,探索行业未来发展的趋势。
P2P network loans, refers to the Internet platform for individuals or small and medium-sized micro-financial lending. In 2007, the online auction of pat loans became the first platform for P2P lending in China. Internet finance broke the boundaries of space and time and facilitated people’s financial lending. Since 2010, the P2P industry in our country has undergone explosive growth under the condition of lack of supervision. It has become a new force in the Internet finance industry. However, it is precisely because of the lack of regulation that the crisis has become explosive. The promulgation of relevant policies in 2016 foreshadowed the beginning of the restructure of the net loan industry. With the release of relevant regulatory details and the intensification of industry regulation, platform operators are feeling unprecedented pressure. Based on the development of P2P in our country, this paper summarizes the problems that P2P has been developing over the years and puts forward some suggestions to it. Based on the situation of P2P regulation in recent two years, this paper explores the future development trend of the industry.