南方金融

P2P网络借贷,即在网上实现借贷,借入者和借出者均可利用这个网络平台实现借贷的在线交易,一切认证、记账、清算和交割等流程均通过网络完成,满足了人们对资本便利快捷的需求。本文阐述了P2P网络借贷的基本概念、发展情况和积极意义,分析了其业务流程可能引发的风险,认为应将网络借贷纳入监管体系,制定监管原则、模式、内容以及安全与技术指标,引导其健康发展。

P2P online lending,namely lending through network,means that with the network platform,borrowers and lenders can complete their trades online.All procedures,including the authorization,accounting,clearing,delivery,etc.,can be completed through network,which meets people's requirements for the convenience in getting capital.In this paper,we elaborate the basic concepts of P2P online lending,its development and positive meanings.After analyzing the potential risks of its business process,we get our conclusion that online lending should be incorporated into the regulatory system with the setting up of regulatory principles,patterns,contents,and the indices of security and technology.Through these means,we could guide the development of the online lending in a healthy way.