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长期以来,国内金融体系以银行为主导。随着互联网金融的发展,基于大数据画像和线上信审业务发展而来的网络借贷业务开始蓬勃发展,消费信贷在我国信贷结构中的占比呈进一步上升的态势。2015年我国网络借贷行业交易规模突破8000亿元,较上一年增长248.2%。P2P作为网络借贷的核心子行业,对互联网金融最大的贡献就在于开启了网络借贷、网络金融的大门,为后来的互联网消费金融的发展奠定了行业和政策默许的双重基础,更为重要的是,为
For a long time, the domestic financial system is dominated by banks. With the development of Internet finance, the online lending business based on the development of big data portraits and online letter review business has begun to flourish. The proportion of consumer credit in China’s credit structure has further risen. In 2015, the transaction scale of China’s online lending industry exceeded 800 billion yuan, an increase of 248.2% over the previous year. As the core sub-sector of online lending, P2P has made the greatest contribution to Internet finance by opening the door to online lending and online banking, laying the double foundation for the development of Internet consumer finance that is acquiescence in the industry and policy. More importantly, ,for