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      "body": "https://timgsa.baidu.com/timg?image&quality=80&size=b9999_10000&sec=1515468675103&di=cd7e511c8a1e07c84081d259258e33b1&imgtype=0&src=http%3A%2F%2Fi.hj.cn%2Fxywb%2F20150114%2FXYWB2015011432_4.jpg\n![11.jpeg](https://steemitimages.com/DQmSZf1JSi2WUb8YUyBvdBMU6rwzUFjczBvZndHDBz3VnTD/11.jpeg)\nP2P理财——小白投资人篇 第一章  基础知识 \n\n\n        针对很多小白投资人，笔者我是不建议盲从和没有一点基础就进入的。从自身出发来说笔者最初投资网贷的时候经过了长达一个月左右的研究，研究些什么呢？主要研究以下几个方面： \n      \n        1、P2P金融是个什么鬼？ \n\n\n        答案：P2P是 peer-to-peer 或 person-to-person 的简写，意思是:个人对个人。P2P金融指个人与个人间的小额借贷交易，一般需要借助电子商务专业网络平台帮助借贷双方确立借贷关系并完成相关交易手续。借款者可自行发布借款信息，包括金额、预期参考利息、还款方式和时间，实现自助式借款;借出者根据借款人发布的信息，自行决定借出金额，实现自助式借贷。 \n\n         2、P2P的历史发展 \n\n\n        第一阶段 2007年—2012年（以信用借款为主的初始发展期） \n\n\n        第二阶段 2012年—2013年（以地域借款为主的快速扩张期） \n\n\n        第三阶段 2013年—2014年（以自融高息为主的风险爆发期） \n\n\n        第四阶段 2014年至今（以规范监管为主的政策调整期）\n由于篇幅的关系就这样简单的给大家做以上罗列，不知道的这每个时期经历了什么的话，直接问李彦宏去。 \n\n        3、P2P是一个什么商业模式？ \n\n\n        答案是：标准定义是信息中介： \n\n\n        模式解答：P2P为信息中介，提供一个信息平台来撮合贷款人和借款人，贷款人和借款人自行对对方进行评判，并完成借贷，P2P平台从成交的借贷业务中收取手续费，类似信息介绍费。\n符合中国国情的中国特色化的P2P的定义是信用中介+信息中介： \n\n        模式解答：因为中国骗子这么多，社会信用体制这么不健全，贷款人根本无从客观评价借款人的资信，而且中国老赖也这么多，贷款人同样也无法承担借款人逾期、坏帐的追讨、处置的成本。这样的方式导致P2P对于中国普通群众来说根本没什么吸引力，除了个把胆子大的，几乎没什么投资者感兴趣。\n那么有什么解决方法吗？ \n\n\n        有，P2P平台公司找了一条出路，他们开始自己去寻找他认为合格的优质的借款人，或者对来到他们平台上的借款人，他来自行进行审核评价，出现问题负责追偿、处置。因为有了P2P平台公司参与调查和帮忙处置逾期，贷款人心里有点底了，但还有疑虑——贷款人不敢确定P2P平台的调查做到了尽职尽责，也不相信P2P平台在借款人出问题之后能够像追自己的钱一样帮贷款人去追偿。好了，双方都意识到，既然P2P平台承担了调查的工作，那么贷款人势必也会要求他承担兜底的责任（这里的担保方不会是平台本身，只会是与平台关联的担保公司，但平台先行偿付再去找这些担保公司成了一个共识），权利与义务相统一，这是一个自然而然的结果，也就是我们说的刚性兑付，P2P业务在中国第一次开始具有“中国特色”了也就是信用模式诞生了。 \n\n        4、P2P有什么风险？ \n\n\n        这里由于是进行小白理财的讲解所以直接套用百X度的观点： \n\n\n        一是信用风险大——道德风险。现阶段中国信用体系尚不完善，互联网金融的相关法律还有待配套，互联网金融违约成本较低，容易诱发恶意骗贷、卷款跑路等风险问题。特别是P2P网贷平台由于准入门槛低和缺乏监管，成为不法分子从事非法集资和诈骗等犯罪活动的温床。 \n\n\n        二是网络安全风险大——技术风险。中国互联网安全问题突出，网络金融犯罪问题不容忽视。一旦遭遇黑客攻击，互联网金融的正常运作会受到影响，危及消费者的资金安全和个人信息安全。 \n\n原文: https://bbs.wdzj.com/thread-497334-1-1.html",
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