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在此首先我有两个观点要提,第一,P2P不能称为一个行业,P2P更多的是一种生产组织形态;第二,P2P之所以发展起来主要与特殊的中国经济发展的历史背景相关,其与互联网有一定的联系,但远非本质上的因果关系。P2P的崛起主要基于两个原因,其一是中国经济发展的历史背景;其二是中国社会的金融服务需求导致的。中国社会处于转型阶段,因此P2P应运而生以满足中国社会的金融服务需求,这是P2P发展的内在逻辑,所以,是
First of all, I have two points of view to mention. First, P2P can not be called an industry. P2P is more of a production organization. Second, the historical background that P2P has been developed mainly due to its special economic development in China Related, it has a certain link with the Internet, but far from the inherent causal relationship. The rise of P2P is mainly based on two reasons, one is the historical background of China’s economic development and the other is the demand for financial services in Chinese society. Chinese society is in the stage of transformation. Therefore, P2P came into being to meet the demand of financial services in Chinese society. This is the inherent logic of P2P development. Therefore,