论文部分内容阅读
P2P网络借贷平台自引进我国以来,在普惠金融的背景下得到快速的发展,已经成为互联网金融发展的一个重要趋势。然而,由于我国缺乏较完善的信用评级体系,P2P网络借贷平台的发展呈现出混乱状态。而2015年发生的“e租宝跑路事件”更将平台的风控问题推到的风口浪尖。本文主要总结目前我国网贷平台的风控机制其作用,提出建议。
Since the introduction of P2P lending platform into China, P2P lending platform has developed rapidly under the background of inclusive finance and has become an important trend in the development of Internet finance. However, due to the lack of a sound credit rating system in our country, the development of P2P online lending platform shows a chaotic situation. In 2015, “e rent Bao Paoyu events” more platform wind control problems pushed to the cusp. This article mainly summarizes the current role of wind-control mechanism of China’s network loan platform, put forward suggestions.