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自2007年国内首家P2P网贷平台落户上海,如今P2P网贷已经走过了十个年头。自初始时期的10家网贷平台到最鼎盛时期的5000多家平台,P2P网贷经历了创新带来的舆论热捧,资本追逐;也经历了行业失控和随之而来的广泛质疑。这是一条不寻常的探索之路,毫无前人经验的拓荒者、缺乏投资教育的投资人、空白滞后的监管,构成了中国P2P网贷的原生环境,也注定了其发展必然充满风雨和坎坷。
Since 2007, the first domestic P2P lending platform settled in Shanghai, P2P lending has now gone through ten years. Since the initial period of 10 network loan platform to the most heyday of more than 5000 platforms, P2P network credit has experienced the innovation brought about by the favorable opinion of the media, capital chase; also experienced industry out of control and the consequent widespread questioning. This is an unusual way of exploration. There is no precedent for pioneers, investors lacking in investment education and lag behind in regulation, which form the primary environment for China’s P2P network loans. It is also destined to have its development full of wind and rain and Bumpy.