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2013年,互联网金融成为金融领域的一个热点,在这个话题里,P2P借贷业务又成了热点中的热点。2007年,P2P引入中国。P2P业务即个人对个人的借贷,属于民间借贷的一种。规范的P2P业务是普惠金融最好的代言人。2013年8月,深圳市全市中小企业融资总额为1.45万亿元,其中以间接或者直接的方式获得的融资总额为8363.8亿元,缺口比例为43%。相比于蓬勃发展的P2P市场需求,网贷之家发布的2013年P2P行业数据显示,2013年行业总成交量1058亿元,较2012年200亿元左右的规模呈现爆发式增长。
In 2013, internet finance became a hot spot in the financial field. In this topic, P2P lending business has become a hot spot in the hot spot. In 2007, P2P was introduced into China. P2P business is personal loans to individuals, belonging to a private lending. The standard P2P business is the best endorser of inclusive finance. In August 2013, total SME financing in Shenzhen was 1.45 trillion yuan, of which 836.38 billion yuan was indirectly or directly financed, with a gap of 43%. Compared with the booming P2P market demand, net loan home industry released 2013 P2P industry data show that in 2013 the total turnover of the industry 105.8 billion yuan, compared with 20 billion yuan in 2012 the size of the show explosive growth.