浅论我国P2P网贷模式现状及发展汇编.doc

浅论我国P2P网贷模式现状及发展 摘 要 近年来, 随着我国经济转型与产业升级进程的持续，“互联网+”金融体制新下的经济，“互联网+”和金融创新成为2007年引入中国经过多年的和，成长为互联网金融中最政策的，加上金融概念热捧和P2P本身的效应，各类资本进军P2P出各类。央行“个和个之间互联网平台实现的直接借贷”这一范畴，走向了非法、和、准备金、控的。In recent years, the concept called Internet + has been proposed with our country economic restructuring and industrial upgrading process, which is combined with traditional industries in many areas. It has caused extensive concern of the society from all walks of life for its new burst of creative energy and vitality. In the financial field, the rigidity of the traditional financial system has become increasingly unsuited to the economic structure under the new situation, which needs improvement and innovation. While the Internet + and financial innovation has become the new trend of the development of the traditional financial industry. Among them, the P2P network lending has become one of the most sought-after areas in the direction of Internet financial sector because of its low market admittance threshold flexible transactions, widely participation in groups, lower cost of financing and lack of external supervision, etc. P2P network lending has been introduced in China since 2007 has grown into the most important thing in Internet financial departments after years of exploration and localization fission. Due to the relevant departments of the regulatory policy and the absence of some local governments, coupled with the concern on the concept of network financial of capital market and P2P industry its money effect, which have sprung up all kinds of capital into P2P network and various types of variants has been derived from it. In the real operation, was already defined by over the central bank individuals and between individuals through the Internet platform to realize direct lending under this category, and actually to illegal fund-raising and unlicensed qualification, the deposit reserve, deposit-loan ratio limit, deposit insurance, the internal control system of illegal deposit-takin