P2P网络借贷、众筹融资互联网金融模式及银行的应对策略目录一、P2P网络借贷、众筹融资发展现状..................................................................................................3（一）P2P网络借贷市场发展现状..................................................................................................31.行业总体情况.........................................................................................................................32.P2P网络借贷平台现状..........................................................................................................43.P2P网络借贷市场的主要商业模式......................................................................................9（二）银行系P2P发展现状及模式分析........................................................................................131.银行系P2P平台发展现状...................................................................................................142.主要银行系P2P平台模式介绍及评价................................................................................163.对主要银行系P2P平台的评价...........................................................................................23（三）P2P网络借贷行业总结与展望............................................................................................25（四）众筹融资行业发展现状及模式分析...................................................................................271.众筹行业发展概述...............................................................................................................282.众筹平台情况.......................................................................................................................293.股权众筹的运营模式与特点...............................................................................................314.典型众筹平台分析...............................................................................................................33（五）银行系众筹发展现状及模式分析.......................................................................................39（六）众筹行业发展总结与展望...................................................................................................41二、国家监管政策分析...........................................................................................................................43（一）肯定互联网金融积极作用，强调促进健康发展...............................................................431.鼓励创新，支持稳步发展...................................................................................................442.防范风险，趋利避害...........................................................................................................46（二）P2P监管政策四箭连发，监管细则料将落地.....................................................................471.监管政策的密集推出，约束P2P行业乱象........................................................................472.监管细则有望年内出台，行业大洗牌已成必然...............................................................49（三）众筹：监管思路生变，或迎监管风暴...............................................................................501.发布《管理办法》，引导健康发展...................................................................................512.证监会：开展专项检查，抓紧制定监管规则..................
