2012~2019年我国风险处置背景下的P2P转型助贷研究
文章摘要:P2P行业正在经历深度盘整,大部分P2P平台或退出或转型,而这种转型具有浓厚的风险处置色彩。在各种转型方式中,转型助贷成本低、见效快,也能使令P2P企业头疼的资金端波动问题在与金融机构的合作下得到缓解,能更好地服务实体经济、助力普惠金融,为P2P平台重获发展前景、保持经营可持续提供机遇。对于P2P平台而言,想要抓住这一机遇存在不小的难度。P2P转型助贷需要平台与监管双重发力,平台需要妥善消化存量,注重科技赋能提升获客和风控能力,守住合规经营底线。监管需... 展开
Abstract:P2P network lending industry is undergoing in-depth consolidation. Most P2P platforms are either exiting or transforming,and this transformation has a strong color of risk management. Among all kinds of transformation methods,the low cost and quick effect of transformation and loan assistance can alleviate the capital fluctuation problem that P2P enterprises have a headache about,which is more in line with the trend of serving the ... 展开