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网络借贷是指通过网络借贷平台进行投资和融资的行为,属于新型民间借贷形式。网络借贷平台是指借助互联网络提供借贷交易的中介服务公司。近年来,网络借贷市场及其平台快速发展,但其风险控制明显滞后,风险案件频发,在包容金融创新的同时,急需采取多种手段,加强网络借贷平台风险控制,维护金融市场稳定。
Internet borrowing refers to the act of investing and financing through the network lending platform, which belongs to the new form of private lending. Internet lending platform refers to the use of the Internet to provide lending transactions intermediary services company. In recent years, the online loan market and its platform have been developing rapidly. However, the risk control has lagged behind. With frequent occurrence of risk cases, it is urgently necessary to adopt various measures to strengthen the risk control of the network lending platform and maintain the stability of the financial market.