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网络借贷,指在网上实现借贷,是随着互联网和民间借贷的兴起而产生的一种新型金融模式。借款人和放贷人均可利用这个网络平台,实现借贷的“在线交易”。这种新兴的借贷模式是从小额贷款模式演化而来的,主要面对无法提供担保的小额借款人和拥有少量资金的放贷人。网络借贷平台的产生和发展,为一些中小企业和个人提供了解决资金来源的方法,丰富了我国贷款体系的层次,有利于经济繁荣发展。但另一方面,由于对网络借贷平台的法律法规并不健全,导致网络借贷平台处于一个监管较弱的情况,产生了诸多问题。
Internet borrowing, which means borrowing online, is a new type of financial model that arises with the rise of the Internet and private lending. Borrowers and lenders can use this network platform to achieve the “online trading ” of the loan. This emerging lending model has evolved from the microfinance model, primarily to small borrowers who can not provide guarantees and lenders who have small amounts of money. The emergence and development of an online lending platform has provided some small and medium-sized enterprises and individuals with ways to solve the problem of funding sources, has enriched the level of China’s loan system and is conducive to the economic prosperity and development. However, on the other hand, due to the imperfect laws and regulations on the internet lending platform, the online lending platform is in a situation of weak regulation, which poses many problems.