P2P信贷并非只是简单的技术形式,而是理念与方式的革新,展现了金融脱媒和互联网的结合在个人端的巨大能量。但是,市场也普遍担忧其中蕴含的风险,尤其是对实践中衍生出的一些P2P信贷新形式。由于目前并无明确的立法,P2P金融(personto-person,个人对个人)在国内存在着争议,但谁都不可否认的是,P2P是一个打破思维定势的金融创新形式。拍拍贷,是我和团队共同创立的中国第一家P2P网络信用借贷平台,同时也是第一家获得国家“金融信息服务”资质的互联网金融平台,从这个 P2P credit is not just a simple form of technology, but an innovation of concepts and methods, demonstrating the enormous energy of the combination of financial disintermediation and the Internet on the personal side. However, markets are also generally concerned about the risks involved, especially with some new forms of P2P credit derived from practice. Because there is no clear legislation at present, there is controversy in P2P finance (personto-person, individual to individual) in the country, but no one can deny that P2P is a form of financial innovation that breaks the mindset. Pat pat loan, is the first peer credit lending platform in China that I and the team co-founded. At the same time, it is also the first internet financial platform to obtain the qualification of national “financial information service”. From this