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我国P2P网贷企业近两年发展迅猛,达到了2000多家,为我国中小微企业及个人的借贷提供了便利,但随着这种模式的发展,也逐步凸显出了一些问题,即P2P网贷模式带来的技术风险、信用风险、道德问题及监管缺位,如不解决这些问题,P2P网贷的危机将带来整个金融业的动荡,因此P2P网贷企业在改善自身弊端的同时,我国法律等相关部门也应对其进行有效监管。
In recent years, China’s P2P net lending enterprises have developed rapidly, reaching more than 2,000, which has facilitated the lending of small, medium and micro-sized enterprises and individuals in our country. However, with the development of this model, some problems have gradually emerged, that is, the P2P network If we do not solve these problems, the crisis of P2P network loan will bring turmoil to the entire financial industry. Therefore, P2P net loan enterprises, while improving their own drawbacks, Relevant departments, such as our law, should also exercise effective supervision over them.