我国P2p网络借贷发展特征及策略分析  

Analysis on F eatures of Peer- to- peer Lending in China and its Development Strategy

作　　者：申益美[1] 唐湘娟[1] 

机构地区：[1]广州铁路职业技术学院,广东广州510430

出　　处：《生产力研究》2015年第2期21-23,30,共4页Productivity Research

基　　金：广州哲学社会科学"十二五"规划课题"互联网金融背景下P2p网络借贷模式风险管理研究"(14y35)

摘　　要：互联网金融的核心是金融脱媒,P2p网络借贷作为互联网金融的主流模式,在国内外呈爆发式增长。文章在探索P2p网络借贷发展起源的基础上,分析了国内P2p网络借贷平台的主要特征,并从理论研究、政策制定、风险教育、征信系统等视角提出了适合我国P2p网络借贷发展需要的具体策略。The core of cyber-finance is financial disintermediation. As a popular mode of cyber-finance, p2p(peer-topeer) lending is experiencing an explosive growth at home and abroad. After exploring its origin and development, the paper makes a study of main features of p2 p lending in China, including its rapid growth, its various models, increasing market risks and many going bankrupt, and puts forward some concrete strategies suitable for China's p2 p lending in view of policy making, risk education, honesty and so on.

关 键 词：P2P 网络借贷 策略 

分 类 号：F062.5[经济管理—政治经济学] F832.39