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自2007年8月,我国诞生首个互联网P2P网贷平台(拍拍贷)以来,民间网贷金融业务迅速扩张,呈现全国遍地开花的景象。作为“互联网+”背景下的金融创新,P2P网贷一方面给我国金融市场繁荣带来了新的动力,另一方面也暴露出金融创新的风险控制问题。本课题调查分析了杭州的P2P案例,对P2P金融创新的风险控制提出对策建议,以供相关决策参考。一、杭州P2P网贷现状
Since August 2007, when the first internet P2P lending platform (pat loan) was born in our country, the financial network of non-governmental nets loans expanded rapidly, showing a scene of flowering across the country. As a financial innovation in the context of “Internet + ”, P2P network loans have brought new impetus to the prosperity of China’s financial markets on the one hand and exposed the risk control of financial innovation on the other hand. This topic investigates and analyzes the case of P2P in Hangzhou and puts forward countermeasures and suggestions on the risk control of P2P financial innovation for the reference of relevant decision-making. First, the status of P2P P2P loans in Hangzhou