P2P网络借贷平台发展趋势分析

P2P网络借贷平台作为互联网金融业态的重要形式，以其不受时间和空间限制的灵活性，低廉的操作成本，越来越得到小微企业和个人贷款用户的青睐，其业务内容已经从早期的借贷信息发布和交易撮合向其它借贷和金融服务范畴发展，其服务形式、交易模式、风险控制方法也不断变化，与银行等金融机构合作逐渐深入，成为传统金融机构的有利补充。本文通过对上海地区P2P网络借贷企业的调研，从P2P业务所面临的问题，其发展过程中存在的消极和积极因素，客户需求和政策影响等内容出发，对P2P平台的发展趋势进行分析。

Development Trend of P2P Online Lending Platform

As an important form of Internet financial form, P2P network lending platform are drawing more and more interest from small and micro businesses and personal loan customers, with its flexibility of time and space as well as low operation cost. P2P network lending platform has spread from posting loan information and matching trading to other lending and financial services, along with its changing service form, transaction mode, risk control method. In addition, as its cooperation with banks and other financial institutions goes deeper and deeper, P2P network lending platform has become an important supplement to the traditional financial institutions. Through investigation of P2P network lending business in Shanghai area, from the aspects of the difficulties, the positive and negative factors, the customer requirements and effects of government policies, the development trend of P2P platform was analyzed in this article.