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随着互联网交易的快速发展,互联网金融已经成为了金融行业不可忽视的重要组成部分之一,P2P网络信贷行为也随之发展成为我国借贷行业的重要支柱之一,在我国的经济发展和金融交易行为过程中扮演了非常重要的角色。与此同时,不同于传统的借贷方式,P2P网络信贷具有着互联网经济的特点——方便迅捷、交易快速、认证简单,深受广大商户的喜爱。但是,在P2P网络信贷的运行过程中,由于互联网经济相对比较虚拟化,其诞生的时间也相对较为短暂,在进行P2P网络信贷风险监管的过程中,还不可避免的存在一些疏漏,给P2P网络信贷的发展带来了一定的障碍。针对这样的情况本文对我国P2P网络信贷风险进行详细的分析研究工作,阐述了我国P2P网络信贷风险的现状及其产生的原因,并且提出了改变P2P网络信贷风险的具体监管措施。
With the rapid development of Internet transactions, Internet finance has become an important part of the financial industry can not be ignored, P2P network credit behavior has also developed into an important pillar of China’s lending industry, in our country’s economic development and financial transactions It plays a very important role in the process of behavior. At the same time, different from the traditional methods of borrowing, P2P network credits have the characteristics of the Internet economy - convenient and quick, fast transactions, and simple authentication, and are well received by merchants. However, during the operation of P2P network credit, because the Internet economy is relatively virtual, the time for its birth is relatively short. In the process of monitoring the credit risk of P2P networks, it is inevitable that there are some omissions to the P2P network. The development of credit has brought certain obstacles. In view of this situation, this paper conducts detailed analysis and research on the credit risk of China’s P2P network, describes the current status of credit risk in China’s P2P network and the reasons for this, and proposes specific regulatory measures to change the credit risk of P2P networks.