我国网贷行业发展模式研究摘要 随着经济的发展与科技的进步，互联网走入了千家万户，而互联网的广泛应用对很多传统领域都有一种颠覆，如金融行业，借助互联网，信息交流更加方便，资金融通也更加便利，互联网金融便应运而生，在互联网金融中，最典型的就是 P2P 网贷行业。P2P 网贷行业有效的补充了现有的金融体系，使有资金需求的中小企业或个人的需求得以满足，2012 年，这个新兴的行业在无监管的状态下迅速发展，虽然解决了不少中小微企业或个人的问题，但是仍然存在着不少的风险与问题，亟待解决。本文以我国网贷行业的发展模式为研究对象，在引言部分介绍了研究的背景意义及相关的概念与理论等，接着论述了我国网贷行业发展的现状及特点，再之后针对我国网贷行业的三大典型发展模式进行研究，并对我国网贷行业各模式进行了比较分析，最后对我国网贷行业发展的趋势进行预测并提出了相关的意见和建议，以期网贷行业更好的得到发展。关键词：网贷；P2P；发展模式Abstract With the development of economy and technology, the Internet into the household, and extensive use of the Internet for many traditional areas have a kind of subversion, such as the financial sector, with the Internet, information exchange more convenient, more convenient financing, Internet banking will come into being in the Internet banking, the most typical is the P2P net loan industry. P2P net loan industry effectively complement the existing financial system, so that there is funding needs of SMEs or individual needs to be met, in 2012, this emerging industry developed rapidly in the absence of state regulation, although the solution many small micro-enterprise or personal problems, but there are still many risks and problems to be solved. In this paper, the development model of net loan industry as the research object, in the introduction describes the background and the relevant concepts and theoretical studies, etc., then discusses the status and characteristics of the development of China net loan...
