P2P网贷从红海到消亡的思考——以宜信平台为例.docx

P2P网贷从红海到消亡的思考——以宜信平台为例 摘要 　　自从2007年P2P网贷出现在金融市场到2020年清零；从开始推广普惠金融到满足小型和微型企业以及个人投资者的投资和融资需求，再到平安集团，百度，腾讯等的投资，再到爆炸性增长，整个网络拥有5,000多个平台和在线借贷余额突破5万亿元，随着流动性泛滥消退，各种平台爆炸式增长：逾期利率上升，资本链中断，强行催收，导致对 P2P在线借贷进行了严密监控和处理。短短十三年间，我国P2P行业写下了浓墨重彩的一笔。回顾从“金融技术的起点”到“庞氏骗局”的我国P2P产业向零发展的过程，P2P的下降很大程度上是由于忽视了风险控制问题[1]，因此对 P2P网贷的自身从一开始暴露的问题以及从行业自律和法律规制之后P2P最终落下帷幕进行其原因的思考以及为此提出可能的意见，这就是本文写作的目的。本文在前人研究的基础上，先介绍了P2P网贷盛极一时背后存在自身的问题，接着以宜信平台的发展过程涉及到的行业自治和法律规范进行结合分析，最后提出了P2P网贷从红海走向灭亡的必然趋势。 关键词：宜信平台，P2P网贷，行业自律，法律规制 　　Thinking on P2P Network Lending from Red Sea to Disappearance -- Taking CreditEase Platform as an Example Abstract 　　Since the appearance of P2P online loans in the financial market in 2007 to zero in 2020; from the beginning of the promotion of inclusive finance to meeting the investment and financing needs of small and micro enterprises and individual investors, to the investment of Ping An Group, Baidu, Tencent, etc., Then to explosive growth, the entire network has more than 5,000 platforms and online lending balances exceeded 5 trillion yuan. As the flood of liquidity subsided, various platforms exploded: overdue interest rates rose, the capital chain was interrupted, and forced collections resulted in P2P Online lending has been closely monitored and processed. In just 13 years, Chinas P2P industry has made a great achievement. Looking back at the zero-development process of China’s P2P industry from the “starting point of financial technology” to the “Ponzi scheme”, the decline of P2P is largely due to the neglect of risk control issues [1]. The problems exposed at the beginning and P2P after industry self-discipline and legal regulation finally came to an end to think about its reasons and put forward possible opinions for this. This is the purpose of this article. Based on previous studies, this article first introduces the problems behind the boom of P2P online lending, and then analyzes the industry autonomy and legal norms involved in the development of the CreditEase platfo