P2P网贷(peer to peer lending)是一种通过网络实现点对点借贷的交易模式,一般由网贷平台提供交易场所,借款需求经过审核后被放置在平台上,由出借人选择放贷。在国外,这种交易模式因为“脱媒”(disintermediation)节约了交易成本,受到一定程度的追捧。自2011年以来,P2P在中国经历了爆发式增长,则是因为其通过变型满足了正规金融之外的投融资需求。 P2P to peer lending (peer to peer lending) is a peer-to-peer lending through the network transaction mode, usually provided by the network loan platform trading venues, borrowing requirements after being placed on the platform, the lender choose to lend. Abroad, this trading model has been somewhat sought after as transaction costs have been saved by “disintermediation.” Since 2011, P2P has undergone explosive growth in China due to its ability to meet the investment and financing needs beyond formal finance.