【作者】 蔡瑞媛； 温小霓；

【Author】 CAI Rui-yuan,WEN Xiao-ni (Institute of Economics and Management,Xidian University,Xi’an 710126,China)

【机构】 西安电子科技大学 经济管理学院；

【摘要】 P2P网络信贷平台是以互联网技术为基础的新型借贷模式,是科学技术和社会经济飞速发展过程中创新型的产物。它的出现使目前的信贷模式更加多样化、全面化,对我国经济发展改革起到举足轻重的作用。在介绍P2P网络借贷的运行模式和特点,以及目前国內外P2P网络借贷的主要发展情况的基础上,客观分析了这个创新的网络借贷模式仍旧存在的问题,找出症结并给与了相应建议。更多还原

【Abstract】 The peer-to-peer(P2P)lending is a new model of lending which based on the internet technology,and also a innovative products in the rapid process of science and technology and social economy.The emergence of P2P which play a pivotal role in the reform of China’s economic make the current credit model more diverse and comprehensive.First,the paper introduces the operation mode and characteristic of the P2P lending,as well as the development of the P2P lending at home and abroad.Then,analysis the disadvantage of the innovative network lending patterns objectively.Finally,find out the sticking point and gives the corresponding suggestions.更多还原