人人贷模式在中国的发展经历过膨胀阶段,现在随着经济趋于平缓发展,人人贷模式的业务规模处于互联网金融一种典型代表形式,正常平稳过渡。本文主要介绍对人人贷模式的一些新的发现,以及比较作为互联网金融业务模式之鼻祖的美国Lending Club,和国内如火如荼的平安陆金所平台。 Now that the development mode of the People-to-people loan in China has gone through an expansion phase, as the economy tends to develop moderately, the scale of business for the loan-to-all ratio is in the typical form of Internet finance, and the transition to normal and smooth is normal. This article mainly introduces some new findings on the mode of people-to-people loans and compares the US Lending Club, the originator of the Internet financial business model, to the platform of the safe Lumberyard in China.