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如今互联网已走进千家万户,互联网金融也如雨后春笋般浮现,而P2P网络借贷就是一个典型的互联网金融模式,这一新型金融模式在方便着众多资金供求者的同时也暴露出诸多问题,本文通过分析P2P网贷模式的优缺点,从投资者、经营者、监管部门等角度提出防控P2P网贷风险的策略,力求P2P网贷健康发展。
Today, the Internet has entered millions of households, and Internet finance has mushroomed. However, P2P online lending is a typical Internet financial model. This new financial model also exposes many problems while being convenient for many capital suppliers and suppliers. By analyzing the advantages and disadvantages of P2P network loan model, this paper puts forward the strategy of preventing and controlling the risk of P2P network loan from the viewpoints of investors, managers and regulators, and tries to make P2P loan a healthy development.