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“诈骗”、“非法集资”几乎成为P2P网贷平台的代名词,该平台也被一度认为是小微金融的“地雷阵”。P2P网贷平台自2011进入中国以来发展迅速。截至2015年10月31日,网贷之家披露的全国P2P网贷平台数量共计2646家。然而,由于该领域监管滞后、投资者水平和平台运营能力存在较大差异等原因,导致中国P2P网贷平台鱼龙混杂,乱象丛生。在部分优质平台平稳运行、满足投资者金融需求的同时,问题平台频频出现。截至2015年10月31日,网贷之家披露的问题平台数量已经达到1095家。
“Fraud ”, “illegal fund-raising ” almost become synonymous with P2P network credit platform, the platform was also considered to be small and micro financial “mine array ”. P2P lending platform since 2011 into China has developed rapidly. As of October 31, 2015, the total number of P2P P2P loan platforms disclosed by China Netcom was 2,646. However, due to regulatory lag in the field, there is a large discrepancy between the level of investors and the operating ability of the platform and other reasons, leading to China’s P2P network loan platform quite a mixed bag, chaos. Smooth operation of some high-quality platform to meet the financial needs of investors at the same time, the problem platform appears frequently. As of October 31, 2015, the number of platforms disclosed by ChinaNet Credit has reached 1095.