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近年来,互联网金融日益发展,其良好的发展态势使得P2P网络借贷行业呈现爆发式的增长。数据显示,2016年全国P2P网贷行业累计平台数量达到4080家,而其中出现的有停业及问题平台总计达1305家,由此可见,P2P网贷存在巨大的风险问题。本文将从放款人,借款人及P2P公司三方分析其潜在的风险,并针对现存风险提出相应解决办法。
In recent years, Internet finance is growing day by day, its good development trend makes the P2P online lending industry show explosive growth. Data show that in 2016, the number of P2P P2P lending industry totaled 4,080, of which there were 1305 platforms that were out of business and problems. This shows that P2P lending poses huge risks. This article will analyze the potential risks from the lenders, borrowers and P2P companies and propose corresponding solutions to the existing risks.