随着监管层相关制度的密集出台,互联网理财行业在2016年由粗放式扩张渐渐步入规范化发展,它较过去面临着更多的考验。2016年是P2P类互联网理财业道德风险与制度风险集中爆发的一年,随着“e租宝”、“大大集团”、“中晋资产”等事件的发酵,P2P类理财投资者进入恐慌期,并一度蔓延至宝宝类理财产品投资者。随着监管层相关制度的密集出台,互联网理财行业在2016年由粗放式扩张渐渐步入规范化发展。它较过去面临着更多的考验,监管加严、经济下滑、坏账成本激增、 With the intensive issuance of relevant regulatory regimes, the Internet wealth management industry gradually stepped into a normative development by the extensive expansion in 2016. It faces more challenges than in the past. 2016 is a year in which the ethical risks and institutional risks of the P2P Internet wealth management industry are concentrated. With the fermentation of such events as “e-leasing ”, “big group ” and "Zhong Jin Financial investors into the panic period, and once spread to the baby class financial product investors. With the intensive introduction of relevant regulatory regimes, the Internet wealth management industry gradually stepped into a normative development in 2016 by extensive expansion. It is facing more tests than the past, tightened regulation, economic downturn, sharp increase in the cost of bad debts,