论文部分内容阅读
本文主要分析了P2P网络借贷发展的背景、梳理了网络借贷平台的综合发展概述、分级情况以及主要的业务流程。相对于传统金融业务,网络借贷门槛低、期限短、成本少、手续简单费用少能增加区域资金的流动性。但同时也存在相关法律不健全、个人征信系统和信息披露制度不完善、平台对第三方存款落实不到位、市场准入与退出制度尚未明确等风险。文章对P2P网络借贷面临的风险提出了相应的建议以供参考。
This article mainly analyzes the background of the development of P2P network lending, combs the comprehensive development overview, classification and main business processes of the network lending platform. Relative to the traditional financial services, low threshold of network borrowing, short duration, low cost, simple formalities and less costs can increase the liquidity of regional funds. However, at the same time, there are risks such as the imperfect laws, the imperfect personal credit information system and information disclosure system, the lack of implementation of the third party deposit by the platform, and the uncertain market access and exit system. The article put forward the corresponding suggestions for the risk of P2P network lending for reference.