P2P借贷在房地产融资中的应用研究

摘要

互联网金融兴起的大背景下,P2P网络借贷为突破房地产业融资瓶颈提供了一种高效可行的选择.本文对比分析P2P借贷相较于传统融资方式所具备的优势;同时针对其在实践运用中的问题,借鉴国外经验,从风控模式、风控技术、风控体系、监管体系四个层面提出相应建议及运作思路,以保证投资者的资金安全.%Under the background of the rise of internet banking,P2P online lending provides an efficient and feasible choice for breaking the real estate financing bottleneck. This paper compares and analyzes the advantages of P2P lending compared with the traditional financing way. At the same time,according to the problems in the practice,uses the foreign experience and puts forward the corresponding suggestions and operation ideas from the following four levels of risk control mode,risk control technology,risk control system and government supervision system,in order to ensure the safety of investors.