首先,研究P2P就要研究它的互联网金融的特性,而互联网金融的核心应该是互联网。互联网具有开放、自由、平等、合作、交互、持续、虚拟等特性,其中我们要特别关注的是开放。举个例子来说,如果我们借助微信、微博这些网络社交工具跟朋友联络,这个只能说是借助新的工具和技术减少了沟通成本,增加了沟通机会,而不是真正的互联网。但是如果我们 First of all, it is necessary to study P2P Internet finance its characteristics, and the core of Internet finance should be the Internet. The Internet is open, free, equal, cooperative, interactive, continuous and virtual, among which we should pay particular attention to being open. For example, if we use the WeChat, Weibo and other online social tools to connect with friends, we can only say that the new tools and technologies have been adopted to reduce communication costs and increase communication opportunities instead of the real Internet. But if we