论文部分内容阅读
缺乏自律与监管的P2P网络贷,到底能成长为中国的尤努斯还是网络钱庄?有效的监管和行业自律变得极为迫切。一年前,网友“豆瓣”开始了他的网上投资之旅。“投资年息超20%,是银行存款利息的六倍多。”这种高回报让他兴奋不已。现实中,“豆瓣”是一名普通的白领,略有存款却投资无门。去年,“豆瓣”无意中接触到了一家网络贷机构,开始当起了资金借出方。按照“豆瓣”的表述,借款人信用等级越高,越是投资者争抢的目标。该网站上一个借款期6个月,年利率26%的3万元标的,不到半天便被投资者瓜
Lack of self-regulation and supervision of P2P network credit, in the end be able to grow into China’s Yunus or online banking? Effective regulation and self-regulation of the industry has become extremely urgent. A year ago, netizen “Douban ” began his online investment journey. Investing in more than 20% of annualized interest rates is more than six times the interest on bank deposits. “” This high return made him excited. In reality, “Douban ” is an ordinary white-collar workers, a slight deposit but no investment. Last year, “Douban ” inadvertently exposed a network of credit agencies, began to act as a financial lender. In accordance with the “Douban ” statement, the higher the credit rating of borrowers, the more investors fight for the goal. The site on a loan period of 6 months, 26% annual interest rate of 30,000 yuan standard, less than half a day will be investors melon