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文章介绍了P2P网贷平台的发展现状,分析了其运营模式存在的必然风险,然后提出了引入CDS(信用违约互换)来解决目前P2P网贷平台风险集中的方案,本文认为将商业银行作为CDS的卖方是合适的。
This paper introduces the status quo of P2P lending platform, analyzes the inevitable risk of its operating mode, then proposes the introduction of CDS (Credit Default Swap) to solve the risk concentration of P2P lending platform currently. This paper argues that using commercial banks as the CDS seller is appropriate.