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近年来,中国实体经济里的中小企业融资成本普遍高昂,而股票市场的低迷和银行降息的举措造成普通百姓投资渠道愈发狭窄。在这双重促动下,P2P借贷作为连接中小企业和普通百姓的投融资平台在中国迅猛发展,从2014年的2000家发展至今已经超过5000家。伴随着P2P行业的迅速发展,平台数量增多、交易量扩大,随之而来的是行业的风险加剧,不断出现平台的倒闭、跑路等现象出现,平台的倒闭、跑路数量也激增至3345家,一度导致行业内平台出现负增长。网贷行业的信贷风险成为行业生存发展的核心,确定网贷风险才能够有效的控制企业的运营风险,达到提高企业存活率的目的。
In recent years, the financing cost of SMEs in the real economy in China has been generally high. The downturn in the stock market and the move by banks to cut interest rates have resulted in narrower investment channels for ordinary people. Driven by this dual drive, P2P lending, as a platform for investment and financing to connect SMEs and ordinary citizens, has seen rapid growth in China from 5,000 in 2014 to more than 5,000 today. With the rapid development of P2P industry, the number of platforms and the volume of transactions have increased. As a result, there has been an increase in the risk of the industry. There have been frequent failures of platforms and running roads. The number of platforms has also risen to 3345 Home, once led to a negative growth platform within the industry. The credit risk in the net loan industry has become the core of the industry’s survival and development. Only by determining the risk of net loan can it effectively control the operational risk of the enterprise and achieve the purpose of improving the survival rate of the enterprise.