本文首先通过研究国内外相关文献,对比国外典型P2P网络借贷平台的营运模
式,梳理出了目前国内P2P网络借贷平台的几种主流的营运模式,主要有以下五种:
一、单纯中介型;二、复合中介型(网下到网上);三、复合中介型(网上到网下);四、
公益型;五、单纯网下型。然后,对这些模式存在的共同的问题进行了全面的分析,
最后,针对如何解决这些问题提出了相应的对策建议。
本文通过对国内P2P网络借贷平台全面而详尽的分析,积极探索这一新生事物的
发展趋势,为该行业的进一步发展和相关研究奠定了基础。
关键词:P2P网络借贷平台;营运模式;拍拍贷
Abstract
In recent years, online Peer-to-Peer (P2P) Lending Platform emerged in China due to
reasons, for example, the tight monetary policy of central bank, the single form of financial
system. Online P2P lending is a financial model in which individuals offer small loans to
other individuals through an internet intermediary on the condition of interest. The online P2P
lending platform originated in Britain in 2005,and entered China in 2007. Until now, there
are more than 100 online P2P lending platforms that have been registered and operating in
China.
First, this paper provides an overview of the online P2P lending platforms from both
abroad and domestic research. Comparing to other countries, this paper figures that there are
five major operating modes of P2P lending platform in China,namely pure intermediary,
composite intermediary I (from offline to online), composite intermediary II (from online to
offline), No-profit, pure offline. Second, this article comprehensively analyzes the problems
of those online P2P lending platforms. At the end, this paper proposes the corresponding
countermeasures and suggestions.
Through the comprehensive and detailed analysis of online P2P lending platform, this
paper explores the development treads of this new field actively, and lays the foundation for
the further development and researchs of this field.
Key Words: Online P2P Lending Platform; Operating Mode; Ppdai
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