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近两年来,我国互联网金融迅速发展,P2P网贷平台作为互联网金融的重要组成部分也引发了极大关注。但频频发生的“跑路现象”无疑对P2P网贷平台乃至整个互联网金融的发展产生了巨大的负面影响。在2016年的政府工作报告中,李克强总理指出要规范发展互联网金融,这就意味着我国P2P网贷将迎来转型发展的关键时期。本文以我国网贷平台“跑路现象”为视角,深刻分析我国网贷平台风险产生的内外部原因,切实推进我国网贷平台健康有序发展。
In the past two years, the rapid development of Internet finance in our country, P2P network loan platform as an important part of Internet finance has also caused great concern. However, the frequent “Runway Phenomenon” undoubtedly has a tremendous negative impact on the development of P2P lending platforms and even the entire Internet finance. In the 2016 government work report, Premier Li Keqiang pointed out that we should regulate the development of Internet finance, which means that China’s P2P net loan will usher in a critical period of transformation and development. This paper analyzes the internal and external causes of the risk of China’s net loan platform from the perspective of China’s network loan platform “runway phenomenon ”, and effectively promote the healthy and orderly development of China’s network loan platform.