我国P2P网贷的发展现状与风险防控.docVIP

PAGE PAGE 17 我国P2P网贷的发展现状与风险防控 摘要：P2P网络借贷在我国的兴起，促进了民间借贷的繁荣，缓减了中小企业融资难的问题，拓宽了民间借贷渠道。但是，由于我国当前相关法律法规的缺失及监管体系的不完善，导致其存在较大风险，本文首先回顾了近年来我国P2P网贷行业的发展状况，由大量平台跑路现象展开，对问题平台的产生原因以及行业所存在的风险进行分析后，借鉴国外相关经验提出了几点促进我国P2P网贷规范化发展的建议。 关键词：P2P；网络借贷；风险 The Development and Risk Prevention of P2P Network Lending in China Abstract: With the rise of P2P network lending in our country, the private lending market is blooming, and the financing difficulty of SMEs has been relieved, it also broadening the private lending channels. However, due to the imperfections of regulatory system and lack of relevant laws, the ma