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虽然P2P行业在中国已经走过7个年头,但P 2 P到底是什么,运营模式如何,该怎么进行监管,这些问题仍处于探索阶段。不过,可以确定的是,网贷行业短期借贷的属性始终如一。中国小额信贷联盟秘书长白澄宇认为,P2P网贷平台定位于个人和小微企业短期融资,在一定程度上弥补了银行信贷盲点,有利于缓解个人、小微企业对资金的饥渴。面临近2000家网贷平台“烧钱”火拼、高收益诱惑,投资者应该如何理性投资?当前法律法规对于P2P这一新兴模式有没有约束力?行业未来发展趋势如何?带着这些问题,本刊记者对中国小额信贷联盟理事长白澄宇进行了专访。
Although P2P industry has gone through 7 years in China, what exactly is P 2 P? How are the operation modes? How to regulate? These problems are still in the exploratory stage. However, what is certain is that the properties of short-term lending in the net lending industry have always been the same. Bai Chengyu, secretary-general of China’s Microfinance Alliance, believes that P2P net lending platform is targeted at short-term financing for individuals and small and micro enterprises, to a certain extent, make up for bank credit blind spots, and help alleviate the hunger for money by individuals and small and micro enterprises. Faced with nearly 2,000 network loan platform “burn money ” Rush, high yield temptation, how investors should invest rationally? Current laws and regulations for P2P this emerging model is not binding? The future development trend of the industry? With these problems , Correspondents on China Microfinance Union president Bai Chengyu conducted an interview.