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P2P平臺(tái)須提高風(fēng)控能力

發(fā)布時(shí)間：2015-01-06 07:32:52 來(lái)源：經(jīng)濟(jì)日?qǐng)?bào) 作者：佚名責(zé)任編輯：羅伯特

　　網(wǎng)貸之家近日發(fā)布的《中國(guó)P2P網(wǎng)貸行業(yè)2014年度運(yùn)營(yíng)簡(jiǎn)報(bào)》顯示，2014年全國(guó)出現(xiàn)提現(xiàn)困難或倒閉的P2P平臺(tái)達(dá)275家，與2013年76家問(wèn)題平臺(tái)相比大幅增加。問(wèn)題平臺(tái)頻頻出現(xiàn)的原因主要有兩個(gè)：一方面，經(jīng)濟(jì)疲軟，借款人資金緊張，逾期、展期現(xiàn)象頻繁，加之受一系列平臺(tái)倒閉和股市走牛的影響，投資人紛紛撤出資金，平臺(tái)無(wú)力兌付；另一方面，監(jiān)管的缺失和平臺(tái)的不規(guī)范運(yùn)營(yíng)，造成流動(dòng)性風(fēng)險(xiǎn)，加上資金實(shí)力和風(fēng)控能力較弱，一旦發(fā)生負(fù)面消息，容易導(dǎo)致擠兌現(xiàn)象。隨著P2P平臺(tái)從野蠻生長(zhǎng)步入成熟期，風(fēng)控能力將是其得以可持續(xù)發(fā)展的關(guān)鍵。

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