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PtoP网络融资这一新的融资模式,预示个人金融服务革命已到来,尤其可为中小企业融资提供新途径。2011年9月以来,民营经济发展的引领者——温州,爆发了一系列民营企业主“跑路”危机,造成该地区及浙江省的社会、经济动荡。危机幕后推手是因民间借贷而引发的资金链断裂。2012年3月28日,国务院常务会议决定,设立温州市金融综合改革试验区,明确提出规范民间融资,加快发展新型金融组织、加强社会信用体系建设等12条改革实施细则。这些举措表明,我国将以温州为试点,构建多元化的金融
The new financing model of PtoP network financing indicates that the personal financial service revolution has arrived and can especially provide a new way for SME financing. Since September 2011, Wenzhou, a leader in the development of private economy, has witnessed a series of crises in “private runners” running its course, causing social and economic turmoil in the region and in Zhejiang Province. Behind the scenes, the crisis pushed the bankruptcy of funds due to private lending. On March 28, 2012, the State Council executive meeting decided to set up a trial zone for Wenzhou’s comprehensive financial reform and clearly set forth 12 reform implementation rules such as standardizing non-governmental financing, accelerating the development of new-type financial organizations and strengthening the building of a social credit system. These measures show that our country will take Wenzhou as a pilot and build a diversified financial system