我国 P2P 网络借贷公共信息平台构架与运营模式研究

摘要

网络金融创新迅猛发展，P2P （Peer to Peer Lending）网络借贷行业面临巨大的机会与挑战。通过分析我国网络借贷核心价值网络结构，并基于放贷人制度与信息协同共享机制，构建放贷人、借款人、运营商、金融机构四方（4C，Four Parties Cooperation Winner）协同共赢的公共信息平台构架体系，总结凝练出具有中国本土化特色的 P2P 网络借贷4C 协同共赢运营模式，为促进我国 P2P 网络借贷产业健康发展提出对策建议。%With the rapid development of network finance innovation,the industry of peer to peer lending faces enormous opportunities and challenges.Based on the lenders regulations and information sharing mechanism,the paper analyzes the core value of peer to peer lending,so as to build the public information platform framework which bring benefit for four par-ties cooperation winner (the loan,the borrower,the operator and the financial institution),and summarize the cooperative win -win operation model of the 4C P2P network lending with Chinese characteristics.Finally in order to promote the healthy development of P2P network lending industry in China,the paper puts forward some countermeasures and sugges-tions.