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计算机网络技术蒸蒸日上,互联网金融在人们生活中产生起着不可替代的作用。其中,P2P网络信贷模式给普通大众提供越来越多的金融服务。可以促进经济的发展,有效地降低金融交易成本,扩大金融服务边界。其依靠创新性思维和技术符合广大用户个性化需求。与此同时,P2P网贷在运行过程中存在一定风险,诸如信用风险、信息安全风险、法律风险以及资金安全风险等。据此,本文将针对这些风险提出切实可行的风险防范机制或措施,如建立完善的征信系统,加强用户安全意识等监管思路,促使我国P2P网贷健康有效运行,更好地为大众提供更好的金融服务。
Computer network technology is booming, Internet finance plays an irreplaceable role in people’s life. Among them, P2P network credit model to the general public to provide more and more financial services. It can promote economic development, effectively reduce the costs of financial transactions and expand the boundaries of financial services. It relies on innovative thinking and technology to meet the individual needs of the vast number of users. At the same time, there are some risks in the operation of P2P net loan, such as credit risk, information security risk, legal risk and capital security risk. Accordingly, this article will put forward feasible risk prevention mechanisms or measures for these risks, such as establishing a sound credit information system and strengthening the user awareness of safety and other regulatory ideas, to promote the healthy and effective operation of China’s P2P network loans and better provide the public with more Good financial service.