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一、前言P2P模式在2006年进入中国,定位于服务个人和小微企业的小额贷款,在2007年至2013年间,发展速度空前,网贷平台从2009年的9家到如今2000余家,2016年5月份交易金额逼近2000亿。一个高质量的金融市场应该是有广度、深度和弹性的市场。P2P作为传统金融的一种创新,对于丰富金融市场的层次,满足多样化的投融资需求,促进小微企业经济发展具有重要作用,是传统金融的一种有效补充。关于资产
I. Introduction The P2P model entered China in 2006 and is targeted at small loans for individuals and small and micro enterprises. From 2007 to 2013, the P2P network grew at an unprecedented pace. From 9 in 2009 to now more than 2,000, May 2016 transaction amount approaching 200 billion. A high-quality financial market should be breadth, depth and flexibility of the market. P2P, as an innovation of traditional finance, plays an important role in enriching the level of financial markets, meeting diversified investment and financing needs and promoting the economic development of small and micro enterprises, and is an effective complement to traditional finance. About assets