P2P网贷平台发展趋势研究

P2 P网络借贷作为互联网金融的一部分，近几年来在我国发展迅猛，但由于存在法律空白、监管缺失等问题，其发展的同时也遇到了一定的问题，导致成长受阻。随着监管细则的即将出台， P2 P平台未来的发展趋势备受关注。为了更好地预测P2 P网贷平台的发展趋势，本文运用系统动力学的相关知识建立了P2 P网络借贷平台的成长模型，并运用系统仿真的方法预测出P2 P平台的数量先是保持持续增长，之后会出现大幅下降。

Trends of P2P Network Lending Platform

As part of the Internet financial , P2P network lending develops rapidly in recent years.However, P2P network lending encounters such problems as lack of relevant laws and regulations , which block the devel-opment of P2P.As the regulatory rules will be soon made , the development trend of P2P attracts much attention.To make accurate predictions of P2P, the growth model of P2P network lending platform is built based on the knowledge of system dynamics , and through the system simulation , it is predicted that the number of P2P net-work lending platforms first maintains a sustainable growth and then has a rapid decline .