论文部分内容阅读
P2P借贷模式自产生起,迅速在不同国家开始复制,由于不同国家具有不同的信用体系,随之而来的是对P2P借贷模式的创新变异。就我国来看,主要是由“线上”P2P借贷模式向“线下”P2P借贷模式转变,并且日益演变为以“线下”P2P借贷模式为主导的趋势。本文以山东省“线下”P2P借贷发展为例,从其运作模式、运作风险进行分析,最后提出进一步规范发展的政策建议。
P2P lending model has rapidly started to replicate in different countries since it was created. As different countries have different credit systems, the innovation variation of P2P lending model is followed. From our point of view, this is mainly a shift from the “online” P2P lending model to the “offline” P2P lending model, and has increasingly evolved into a trend dominated by the “offline” P2P lending model. This paper takes Shandong Province as an example, and analyzes the operation mode and operation risk of P2P lending in Shandong Province. Finally, it puts forward the policy suggestions to further regulate the development.