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P2P网络借贷是一种以互联网平台依托的创新金融模式,从根本上说属于民间借贷范畴。近些年来,随着互联网金融业的发展,我国P2P网贷理财行业异军突起。尤其是随着银行储蓄利率的趋零化、股市的风波不断和通货膨胀的时隐时现,普通工薪阶层对于财产保值增值的需求日益高涨。然而,p2p互联网理财行业中存在的突出问题例如监管困难和相关法律法规不健全,“跑路”风潮一波未平一波又起,不仅让广大投资者的财产血本无归,甚至引发群里性事件危害社会的和谐稳定。本文从P2P行业的特点、发展现状以及存在的问题出发,为潜在的战略新兴产业献言献策。
P2P network lending is an innovative financial model relying on the Internet platform, which basically belongs to the category of private lending. In recent years, with the development of Internet finance industry, China’s P2P net loan wealth management industry has been on the rise. In particular, with the declining interest rates of bank savings, the constant turmoil in the stock market and the temporary inflation, the demand of ordinary working-class people for the preservation and appreciation of property is on the rise. However, p2p Internet finance industry outstanding problems such as regulatory difficulties and related laws and regulations are not perfect, “runway ” wave after wave of ups and downs, not only for the majority of investors lose their property or even lead to groups The sexual incidents endanger the social harmony and stability. Based on the characteristics, development status and existing problems of P2P industry, this article offers suggestions for potential strategic emerging industries.