摘要
P2P网络借贷是依托互联网发展起来的一种新型借贷模式,可以满足借贷人对于资金的不同需求,完善国内信贷体系,并提高资金的利用效率。近年来,中国P2P网络借贷平台迅速扩张,但目前发展速度趋缓,累计问题平台数量逐年上升。P2P网络借贷平台在发展过程中存在法律风险、经营风险、市场风险和信用风险。因此,应进一步完善相关法律,加强监管并建立和完善行业的征信体系。
P2P（peer to peer）lending,a new form of lending based on the development of the Internet,can help to meet different needs of the lenders for funds,improve the domestic credit system,and improve the utilization efficiency of funds.In the past years,P2Plending platforms have expanded rapidly in China,but now its development has slowed down and the number of problem platforms is growing.The development of the P2Plending platform involves the legal risk,the operating risk,the market risk and the credit risk.It is suggested that the relevant laws should be improved,the supervision should be strengthened,and the credit investigation system of the industry should be established and improved.
出处
《河北北方学院学报（社会科学版）》
2018年第1期80-83,共4页
Journal of Hebei North University：Social Science Edition
