CAJ | 학술논문

采用网络信息收集和实地走访相结合的方式首次对成都市P2P网贷平台的发展情况进行了研究。统计分析表明,成都市的P2P网贷平台还处在发展的初级阶段,离真正基于互联网技术的纯线上平台还有很大距离,具有竞争优势的公司屈指可数。为了更好促进成都市互联网金融的健康发展,建议不但要建立统一的P2P网贷平台交易信息系统,提高互联网金融市场的透明度,还要严格P2P网贷平台的市场准入,防范区域性金融风险,同时加强基础建设,优化互联网金融发展环境。
채용망락신식수집화실지주방상결합적방식수차대성도시P2P망대평태적발전정황진행료연구。통계분석표명,성도시적P2P망대평태환처재발전적초급계단,리진정기우호련망기술적순선상평태환유흔대거리,구유경쟁우세적공사굴지가수。위료경호촉진성도시호련망금융적건강발전,건의불단요건립통일적P2P망대평태교역신식계통,제고호련망금융시장적투명도,환요엄격P2P망대평태적시장준입,방범구역성금융풍험,동시가강기출건설,우화호련망금융발전배경。
This paper firstly investigates the development of P2P network lending platforms in Chengdu by collecting data from internet combined with field study. The statistical results suggest that the P2P network lending platforms in Chengdu are still at the early stage of development and few platforms have a competitive edge, which are far from the pure online network lending platforms based on internet technology. In order to better promote the healthy development of the Internet finance in Chengdu, we suggest that the government should not only build a unified information system of transactions for P2P network lending platforms to improve the transparency of financial markets, but also enhance the market access of P2P network platform to prevent regional financial risks. At the same time, the government should strengthen infrastructure construction and improve the environment of Internet finance development.