P2P的優(yōu)勢與劣勢

1、P2P 的發(fā)展優(yōu)勢打開電腦，敲敲鍵盤，不用出門，真的就可以借到錢了嗎？目前國內(nèi)平臺日益增多，在國外已經(jīng)是非常流行的借款方式。在我國一些經(jīng)濟發(fā)達城市皆有。近一兩年網(wǎng)絡(luò)借貸逐漸興起并被草根階層所接受，那么其優(yōu)勢何在，在借款時又應(yīng)注意什么呢 ?P2PP2P 貸款只所以發(fā)展迅速，正是因為其獨特的優(yōu)勢所在。借助于互聯(lián)網(wǎng)優(yōu)勢的P2P 貸款，不僅申請手續(xù)簡單，而且客戶足不出戶即可完成貸款申請的各項步驟，在符合條件下，一般在7 個工作日，就可以輕松拿到貸款，甚至通過優(yōu)質(zhì)的網(wǎng)絡(luò)平臺，還可以得到更低的利率和更高的授信額度。與傳統(tǒng)融資渠道相比，網(wǎng)絡(luò)貸款不僅突破了地域的局限性，而且更具有靈活性和指向性，其采取一站式的

2、融資方式，有效減少信息不對稱、交易成本、參與成本等問題。同時，P2P 貸款手續(xù)更簡單，門檻更低，而且效率更高，這無疑成為了吸引眾多借貸人的優(yōu)勢所在。盡管 P2P 貸款在融資的時候帶來的眾多便利，但是也不得不警惕P2P 貸款的風(fēng)險，必須引起借款人或貸款人的重視，防范網(wǎng)絡(luò)風(fēng)險，小心謹慎才行。投融貸小編給您分析下：首先，由于網(wǎng)絡(luò)交易是一種虛擬性的交易，導(dǎo)致無法認證借貸雙方的資信情況，同時基于虛擬平臺服務(wù)，其真實性和安全性都難以得到保障，因此P2P貸款容易產(chǎn)生欺詐和欠款不還的糾紛。其次，網(wǎng)絡(luò)平臺發(fā)布的大量放貸人信息中，有不少以“貸款公司”、“融資公司”等名義對外發(fā)放貸款。而事實上，必須有經(jīng)國家批準的金

3、融機構(gòu)方能從事信貸融資等金融服務(wù)，而擅自從事P2P 貸款往往會因非法集資、擾亂金融管理秩序而被追究法律責(zé)任。最后，從現(xiàn)有金融政策法規(guī)角度來說，P2P 貸款的平臺是合法的，但由于目前有關(guān)的規(guī)章制度還處于一個很不完善的階段，可以說處在法律的灰色地帶。網(wǎng)站不屬于金融機構(gòu)，同時國家對于民間借貸中介還沒有一個明確的界定，并沒有納入其監(jiān)管范圍，因此可以說P2P 貸款目前存在一定的監(jiān)管空白。P2P 貸款形式雖然新穎，但借款人如果真的需要借款，最好還是通過正規(guī)渠道籌集資金，避免上當受騙，同時如果真的遭遇詐騙，應(yīng)及時向公安部門求助。另外， P2P 雖然發(fā)展迅速，但是做好風(fēng)險控制首先需要重視的問題。選擇平臺要看好

4、有沒有擔(dān)保，有沒有風(fēng)險準備金，有沒有規(guī)范的團隊。選擇投資時也要看好每個標的年收益，期限等。P2P 的發(fā)展趨勢還是很被看好的。相信會逐步成為中國的主流借貸模式。When you are old and grey and full of sleep,And nodding by the fire, take down this book,And slowly read, and dream of the soft lookYour eyes had once, and of their shadows deep;How many loved your moments of glad grace,A

5、nd loved your beauty with love false or true,But one man loved the pilgrim soul in you,And loved the sorrows of your changing face;And bending down beside the glowing bars,Murmur, a little sadly, how love fledAnd paced upon the mountains overheadAnd hid his face amid a crowd of stars.The furthest di

6、stance in the worldIs not between life and deathBut when I stand in front of youYet you don't know thatI love you.The furthest distance in the worldIs not when I stand in front of youYet you can't see my loveBut when undoubtedly knowing the love from bothYet cannot be together.The furthest d

7、istance in the worldIs not being apart while being in loveBut when I plainly cannot resist the yearningYet pretending you have never been in my heart.The furthest distance in the worldIs not struggling against the tidesBut using one's indifferent heartTo dig an uncrossable riverFor the one who l

8、oves you.When you are old and grey and full of sleep,And nodding by the fire, take down this book,And slowly read, and dream of the soft lookYour eyes had once, and of their shadows deep;How many loved your moments of glad grace,And loved your beauty with love false or true,But one man loved the pil

9、grim soul in you,And loved the sorrows of your changing face;And bending down beside the glowing bars,Murmur, a little sadly, how love fledAnd paced upon the mountains overheadAnd hid his face amid a crowd of stars.The furthest distance in the worldIs not between life and deathBut when I stand in fr

10、ont of youYet you don't know thatI love you.The furthest distance in the worldIs not when I stand in front of youYet you can't see my loveBut when undoubtedly knowing the love from bothYet cannot be together.The furthest distance in the worldIs not being apart while being in loveBut when I plainly cannot resist the yearningYet pretending you have never been in my hear