我国P2P网络借贷公共信息平台构架与运营模式研究

The Research on the Public Information Platform Architecture and Operation Mode of China’s “Peer to Peer Lending”

摘要:

网络金融创新迅猛发展,P2P(Peer to Peer Lending)网络借贷行业面临巨大的机会与挑战,通过分析我国网络借贷核心价值网络结构,并基于放贷人制度与信息协同共享机制,构建放贷人、借款人、运营商、金融机构四方(4C,four parties cooperation winner)协同共赢的公共信息平台构架体系,总结凝练出具有中国本土化特色的P2P网络借贷4C协同共赢运营模式,为促进我国P2P网络借贷产业健康发展,提出对策建议。

Abstract:

With the rapid growth of network financial, the industry of peer to peer lending faces enormous opportunities and challenges. Based on the lenders regulations and information sharing mechanism, the article analyzes the core value of peer to peer lending , so that build the public information platform architecture which have four parties cooperation winner, and design the operation mode which have Chinese local characteristics. Finally put forward some suggestion for our government and financial institutions.