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P2P网贷平台近年来在我国兴起并得到了快速发展。作为一种利用互联网技术而兴起的新型金融服务模式,为缓解信贷供需矛盾提供了新的途径。但同时也暴露出了许多问题,大量问题平台因资金链断裂而倒闭,投资者权益受损。因此,为规范和引导P2P网贷平台健康有序发展,本文从区域的角度,立足地方实际,对P2P网贷平台发展现状进行了分析,指出平台在运营中所存在的问题,并在此基础上,对规范P2P网贷平台的健康发展提出了相关政策建议。
P2P lending platform in recent years, the rise in our country and has been rapid development. As a new type of financial service model that is emerging by using Internet technology, it provides a new way to alleviate the contradiction between supply and demand of credit. At the same time, however, many problems have also been uncovered. As a result, a large number of issues have been brought to an end by the collapse of the capital chain and the rights and interests of investors have been impaired. Therefore, in order to standardize and guide the healthy and orderly development of P2P lending platform, this paper analyzes the status quo of P2P lending platform from a regional perspective and based on local conditions, and points out the problems in the operation of the platform and based on this On the standard P2P loan platform for the healthy development of the proposed policy recommendations.