P2P 网络借贷存在的问题及对策摘要 互联网的快速发展为银行信贷提供了良好的平台机遇，出现了将自然人作为借贷服务对象，利用网络工具这一中介平台进行接待信息分匹配审核与借贷金额的流转的网络信贷模式——“P2P 网络借贷”。这一模式极大的集中和利用了居民的闲散资金，提高了社会闲散资金利用率，与传统银行贷款相比，它降低了融资成本，为中小企业融资开辟了一个新渠道，也为个人借款提供了便利，使货币的时间价值得到了良好的运用。但此金融贷款服务模式中存在着诸多管理漏洞，一方面来源于网络信息本身存在的风险性，另一方面也是由于机制运转必然要放松的借贷环境，致使借贷双方信息不完善、不准确，后续监管乏力，且内部治理机制管理不善等。与此同时，在我国经济转型升级新时期，国家对此朝阳产业提出了诸多政策加以规范与支持，并将互联网金融的发展纳入了十三五规划中，P2P网络金融信贷行业发展前景一片大好。故而，面对这一新型互联网融资模式，在欢喜之余，我们有必要对其现状进行深刻地分析，并对其可能存在的风险点进行全面的梳理。关键字：P2P；网络借贷；问题及对策AbstractThe rapid development of the Internet as a bank credit provides a good platform for opportunities that will arise as a natural person lending service object, use of network tools that the agency received information platform for the loan amount matches for auditing circulation network credit model - "P2P networks lending. " This mode is great concentration and use of idle funds of residents, improve the utilization of social idle funds, compared with the traditional bank loan, which reduces the cost of financing, financing for SMEs has opened up a new channel for personal loans It provides a convenient, that the time value of money to get good use. However, this financial loan service mode there are many loopholes in management, on the one hand from the network information inherent risks, also because the mechanism is bound to run relaxed lending environment, so that both lenders and borrowers with imperfect...
