CAJ | 학술논문

P2P 网络借贷是指借贷双方通过借贷平台进行直接融资。近年来，我国逐步探索出了适合本土发展的运营模式，降低了个人和小微融资成本，顺应了普惠金融的理念，随着互联网的普及和各移动端的广泛应用，使得依附于网络发展的新型金融模式 P2P 网络借贷势如破竹，蓬勃发展。本文首先对国内外 P2P 网络借贷做了简要分析，其次基于2014年的网贷交易数据分析 P2P 网络借贷的发展特征，最后对我国 P2P 网络借贷的未来发展做了展望：平台规模的扩大、借贷资金价格的下降、发展的规范化、经营的透明度化，平台资金的第三方托管趋势明显，去担保化暂难实现。
P2P 망락차대시지차대쌍방통과차대평태진행직접융자。근년래，아국축보탐색출료괄합본토발전적운영모식，강저료개인화소미융자성본，순응료보혜금융적이념，수착호련망적보급화각이동단적엄범응용，사득의부우망락발전적신형금융모식 P2P 망락차대세여파죽，봉발발전。본문수선대국내외 P2P 망락차대주료간요분석，기차기우2014년적망대교역수거분석 P2P 망락차대적발전특정，최후대아국 P2P 망락차대적미래발전주료전망：평태규모적확대、차대자금개격적하강、발전적규범화、경영적투명도화，평태자금적제삼방탁관추세명현，거담보화잠난실현。
The P2P net lending refers to loan through direct financing platform. In recent years,the suitable operation mode has been gradually explored,this reduced the individual and small micro financing cost,conformed to the inclusive financial concept,and with the popularity of the Internet and the mobile terminals,a new financial model P2P net lending attached to the network flourished. This article,by briefly analyzing the domestic and for-eign P2P net lending,and the development characteristics of net credit transaction data in 2014 based on the analy-sis of P2P net lending,expects its future development in China:the expansion of the scale,the price declination of the funds,the normalization of its development,the business transparency,the obvious trend of the trusteeship of the third party,and its difficulty of wiping out guarantee.