CAJ | 학술논문

关于P2P，从产生到爆发性成长其争论之声从没停止过，由于对其认识上的不统一，导致对P2P的评价不一致，其发展目标、社会认同、成长方式及未来愿景也各不相同。从P2P本质特征分析入手，掌握P2P的基本特征，便于抓住事物的本质和主要矛盾，从而对P2P未来的发展前景作出科学的判断，对保持这一新生事物的发展才能提供一个良好的环境。 P2P其特征有本质和非本质之分，本质特征是“互联网+民间借贷”，非本质特征有互联网金融、信用中介、民间借贷等，P2P的本质特征已经充分表明其有美好的发展愿景，P2P有着巨大的需求市场和广泛的供给市场，同时也适应了金融市场多元化需求的大的发展趋势，现实中存在的问题是当前P2P所面临的监管、信任机制等不完善造成的，这并不否定P2P生命力及生存发展的本身。
관우P2P，종산생도폭발성성장기쟁론지성종몰정지과，유우대기인식상적불통일，도치대P2P적평개불일치，기발전목표、사회인동、성장방식급미래원경야각불상동。종P2P본질특정분석입수，장악P2P적기본특정，편우조주사물적본질화주요모순，종이대P2P미래적발전전경작출과학적판단，대보지저일신생사물적발전재능제공일개량호적배경。 P2P기특정유본질화비본질지분，본질특정시“호련망+민간차대”，비본질특정유호련망금융、신용중개、민간차대등，P2P적본질특정이경충분표명기유미호적발전원경，P2P유착거대적수구시장화엄범적공급시장，동시야괄응료금융시장다원화수구적대적발전추세，현실중존재적문제시당전P2P소면림적감관、신임궤제등불완선조성적，저병불부정P2P생명력급생존발전적본신。
The argument about P2P has never stopped from P2P’ emergence to its rapid growth. The different understanding to P2P leads to the different evaluation on P2P, and its development goals, social recognition, growth methods and future vision are also different. From the analysis on the nature of P2P, the paper thinks that mastering the basic features of P2P means mastering the essence and the principal contradiction of P2P, therefore the scientific judgment can be made on the development vision of P2P in the future, and a good environment can be provided to keep the development of the new-born thing. P2P is characterized with essential nature and non-essential nature, and its essential nature is“Internet+informal lending”, while the non-essential nature includes the Internet fi-nance, credit intermediary, informal lending etc. The essential nature of P2P has fully shown that P2P has a good development vision, has a huge market demand and a wide range of market supply, and has adapted to the development trend of the diversified demand of the financial markets. The existing problems in reality are caused by imperfect regulatory and trust mechanism, which does not negate the vitality and the survival and development of P2P.