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The Research on P2P Development Vision from the Perspective of the Nature of P2P
Author(s): 
Pages: 18-21
Year: Issue:  9
Journal: Xi'an Finance

Keyword:  P2Pnaturedevelopment vision;
Abstract: The argument about P2P has never stopped from P2P’ emergence to its rapid growth. The different understanding to P2P leads to the different evaluation on P2P, and its development goals, social recognition, growth methods and future vision are also different. From the analysis on the nature of P2P, the paper thinks that mastering the basic features of P2P means mastering the essence and the principal contradiction of P2P, therefore the scientific judgment can be made on the development vision of P2P in the future,and a good environment can be provided to keep the development of the new-born thing. P2P is characterized with essential nature and non-essential nature, and its essential nature is"Internet + informal lending", while the non-essential nature includes the Internet finance, credit intermediary, informal lending etc. The essential nature of P2P has fully shown that P2P has a good development vision,has a huge market demand and a wide range of market supply, and has adapted to the development trend of the diversified demand of the financial markets. The existing problems in reality are caused by imperfect regulatory and trust mechanism, which does not negate the vitality and the survival and development of P2P.
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