P2P行业面临着和小贷公司行业几乎同样的难题。为吸引投资者,P2P企业曾一度陷入利率大战,贷款项目尤其是高利率项目成为稀缺资源。在此背景下,大量P2P平台与小贷公司、信托公司等机构合作,销售高风险、高利率的大额线下项目,偏离小额分散定位,为行业健康发展埋下隐患。在行业整体畸形发展模式下,少数专注小额分散模式的P2P平台,致力于积累数据和完善风控模 The P2P industry faces almost the same challenges as small-loan companies. To attract investors, P2P companies once fell into the battle of interest rates, and loan projects, especially high-interest rate projects, became scarce resources. Under this background, a large number of P2P platforms cooperate with institutions such as small loan companies and trust companies to sell large amounts of high-risk and high-interest large-scale offline projects and deviate from their small and scattered positions to lay a solid foundation for the healthy development of the industry. In the industry as a whole deformity development model, a small number of focus on micro-decentralized P2P platform, is committed to accumulating data and improve the risk control model