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P2P网络借贷平台是近几年在全国悄然兴起的一种民间借贷新模式,目前尚处在我国金融监管的真空地带,面临着巨大的潜在风险。P2P网络借贷平台亟待纳入金融监管和引导,以便促进网络借贷的规范化发展,进而建立一个合法、活跃的民间借贷市场。
P2P lending platform is a new model of private lending that quietly arisen in China in recent years. Currently, it is still in the vacuum of China’s financial regulation and faces huge potential risks. P2P platform for the lending of loans urgently needs to be incorporated into financial regulation and guidance so as to promote the standardized development of online lending so as to establish a legitimate and active private lending market.