CAJ | 학술논문

通过比较一种新型的互联网金融业务---P2 P个人网络借贷的三种典型运作模式，发现P2 P网贷在我国出现了变异，已经不是本来意义上的个人对个人的信用模式。借鉴余额宝和阿里小贷的成功经验，提出一种将网贷与网购平台相结合的业务模式，该模式具有交易成本低、收益率高、服务人数广泛、业务模式清晰、法律风险小等多种优点，可以实现多方共赢。
통과비교일충신형적호련망금융업무---P2 P개인망락차대적삼충전형운작모식，발현P2 P망대재아국출현료변이，이경불시본래의의상적개인대개인적신용모식。차감여액보화아리소대적성공경험，제출일충장망대여망구평태상결합적업무모식，해모식구유교역성본저、수익솔고、복무인수엄범、업무모식청석、법률풍험소등다충우점，가이실현다방공영。
Peer to peer ( P2P) lending is an emerging Internet financial business.By comparing the typical three kinds of operation mode , it is found that P2P lending has deviated from its original sense , that is, person to person credit mode.Meanwhile , referring to the success of YuEbao and Ali micro-credit , a new business model which combines P2P lending platform with online shopping platform is explored.This business model has so many advantages , such as low transaction costs , high income rate , wide-ranging service , clear business framework, low legal risk and so on , which will create a win-win situation for the participants.