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P2P金融作为互联网金融未来发展的方向,为中国借贷市场注入了新的活力,但由于行业监管、法规不完善等问题,该行业的发展一直饱受金融界的争议和质疑。本文尝试探讨了P2P行业中目前存在的问题,分别从期限错配、单点对单点的运营模式和征信陷阱等三个方面进行了分析,旨在为P2P金融的健康发展提供一定的借鉴和参考。
As the direction of the future development of Internet finance, P2P finance has injected new vitality into China’s lending market. However, due to the problems of industry regulation and imperfect laws and regulations, the development of P2P finance industry has been widely contended and questioned by the financial community. This paper attempts to explore the existing problems in the P2P industry, from the deadline mismatch, single point to single point of operation mode and the credit trap three aspects were analyzed to provide a reference for the healthy development of P2P finance And reference.