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P2P网贷行业在我国的兴起,构成了普惠金融建设重要一环;随着近年来我国经济形式下行压力不断增大,P2P网贷收益持续下滑。在这个背景下如何进一步推动P2P网贷行业的发展,是值得深入研究的课题;本文针对低收益率背景下P2P网贷行业的发展提出若干建议,指出加强立法与推动创新是P2P网贷行业取得进一步发展的根本途径。
The rise of P2P net loan industry in our country constitutes an important part of the universal financial construction. As the downward pressure on China’s economic form has been increasing in recent years, the revenue from P2P net loans continued to decline. In this context, how to further promote the development of P2P network credit industry is a topic that deserves further study. This paper puts forward some suggestions for the development of P2P network credit industry under the background of low rate of return, pointing out that strengthening the legislation and promoting innovation are the achievements of P2P network credit industry The fundamental way to further development.