虽然“哈哈贷”、“比比贷”等一些网贷公司陆续倒闭,不过并未减慢网贷公司进军的步伐。“人人贷”、“搜好贷”、“畅贷网”、“宜信”等等,依旧十分活跃。由于中国金融市场供给缺乏,民间金融风生水起。传统模式是以江浙一带为典型的地下钱庄,随着网络社会的发展以及各种金融创新产品的产生,新型的地下金融业务快速向各领域渗透,网络贷款已悄然成风。银监会等相关部门,对此现象高度重视,并下发通知对各相关银行进行风险提示。 Although some loan companies such as “Haha Loan” and “Bibi Loan” went bankrupt in succession, they did not slow down the pace of entry of net lending companies. “Everyone Loans ”, “Search Good Loans ”, “Smooth Credit Network ”, “Credit ” and so on, are still very active. Due to the lack of supply in China’s financial market, non-government finance is in full swing. The traditional model is based on the Jiangsu and Zhejiang provinces as a typical underground bank. With the development of the Internet society and the emergence of various financial innovation products, the new underground financial business has rapidly penetrated into all fields. Internet loans have been quietly established. China Banking Regulatory Commission and other relevant departments attach great importance to this phenomenon and issued a circular to all relevant banks for risk warning.