对P2P,我最近思考的一个重要问题是,这样一种以互联网为基础平台和渠道的金融创新产品,如何有效解决此“P”即借款人和彼“P”即贷款人之间的信息非对称问题?我们知道,信息对称是市场实现有效率交易的基本条件之一,信息非对称会导致所谓的诸如“次品车”、“劣币驱逐良币”等市场失灵问题。在发达国家,P2P所面临的信息非对称问题是通过专业化的信息交易市场实现的。如在美国,除了享誉全球的三大著名信用调查公 One of the most important questions that I’ve been thinking recently about P2P is how such a financially innovative product based on the Internet as a platform and channel can effectively solve the problem of the “P” ie the borrower and the “P” lender Asymmetric information? As we know, information symmetry is one of the basic conditions for an efficient transaction in the market. Asymmetric information can lead to so-called “defective cars”, “bad money deporting”, etc. Market failure problem. In developed countries, the information asymmetry problem that P2P faces is realized through a specialized information exchange market. As in the United States, in addition to the world famous three famous credit investigation public