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P2P网络借贷是依赖网络而产生的一种新型的金融服务平台,平台通过线上信息交流互通,撮合借贷双方达成交易。平台作为第三方中介,为借贷双方提供信誉评级、信息交流、资金周转等金融服务。P2P网络借贷平台主要为中小企业及个人提供小额融资需求,因其金额小、周期短、频率繁、门槛低等特点深受小额融资需求者的欢迎。近些年来,国内网络借贷行业成长速度迅猛,截止至2016年2月底,我国P2P网络借贷行业历史累计成交额为16086亿元。2016年至今累计成交额为2434亿元,是去年同期累计成交额的3.5倍。在如此迅猛的发展势头之下,P2P网络借贷近年来逐渐显现出分化趋势。
P2P network lending is a new type of financial service platform that relies on the network. The platform exchanges information and exchange information through online, and the two sides of the loan and loan deal to reach a deal. Platform as a third-party intermediary for both lenders and creditors to provide credit rating, information exchange, cash flow and other financial services. P2P network lending platform for small and medium-sized enterprises and individuals to provide small-scale financing needs, because of its small amount, short cycle, frequent frequency, low threshold, welcomed by those who demand for microfinance. In recent years, the domestic online lending industry has witnessed a rapid growth. As of the end of February 2016, the accumulated turnover in China’s P2P online lending industry was RMB1,608.6 billion. The cumulative turnover so far in 2016 is 234.4 billion yuan, 3.5 times the cumulative turnover in the same period of last year. In such a rapid development momentum, P2P network lending gradually shows the trend of differentiation in recent years.