业内人士表示，国际上比较成熟的“人人贷”模式应该是P2P的（所谓的端对端），是借贷双方直接签约。英国的Zopa是网络借贷平台的鼻祖。Zopa通过信用调查和风险评估，对贷款者作出不同信用评级。借出者可以提出意愿利率、信用要求和放款期限。每笔交易撮合成功，Zopa从中获得佣金。

The personage inside course of study says,The international comparative mature"Everyone credit"Mode should be the P2P(The so-called end to end),Both parties sign is lending directly.British Zopa is the earliest network lending platform.Zopa through the credit investigation and risk assessment,Borrowers to make different credit rating.Lenders can put forward to intend to interest rates/Credit requirements and loan time limit.Each transaction successful transaction,Zopa get commission.

　　我国在引入“人人贷”模式后却发生了异化。目前比较典型的做法是，将借贷直接签约分割为两个方面。一方面，中介公司以公司内部人员的名义贷款出去，借款人也是自然人，从法律来看是两个自然人的合约；另一方面，中介公司再以理财产品的名义兜售债权。公司在宣传中承诺可以匹配债权。

Our country in introducing"Everyone credit"After the pattern has undergone alienation.At present, is a typical way is,Will lending direct signing divided into two aspects.On the one hand,Intermediary companies with company internal personnel's name out loans,The borrower is a natural person,From the legal view is two natural person contract;On the other hand,Intermediary company again with financial products sell in the name of the creditor's rights.The company in the propaganda of acceptance may be matching creditor's rights.

　　当中国证券报记者提出想和借款人直接见面时，该公司业务员表示：“和借款人见面没有必要，当然我们会尽量满足要求，但是这需要在投资人、公司、担保方签订协议后再向公司提出申请。”

When China stock certificate report reporter put forward and the borrower to meet directly,The company said the salesman:"And there is no need to meet the borrower,Of course, we will try to meet the requirements,But this need in investors/The company/DanBaoFang signed an agreement to the company after the application."

　　“这种模式已经踩了非法集资的"红线"，根本无法得到法律保护。”上述接近监管部门人士指出，虽然公司的资金交易都是以个人账户进行，资金往来都是自然人之间的债权转让，但从界定上，居间公司仍旧在从事第三方资产管理业务，按照现行法律，第三方资产管理本身属于非金融公司，是不能涉足募资等金融业务的。“严格讲，灰色地带都谈不上，已经是违法开展的金融活动。”

"This model has stepped on the illegal funds"Red line",Can't get legal protection."The above close supervision department personage points out,Although the company's cash transactions are based on individual account for,Funds are the creditor's rights transfer between natural persons,But from the definition of,Intermediary companies still engaged in the third party asset management business,According to the current law,The third party asset management itself belongs to the non-financial companies,Is not to set foot in need to recapitalise financial business, etc."Strictly speaking,Gray area are less,It is illegal to have to carry out financial activities."

　　其实，业界对人人贷经营模式有着极大的争议。社科院金融研究所银行研究室主任曾刚担忧：“虽然当前P2P贷款平台的市场基础是存在的，但其既在监管之外，也不受信贷调控的限制。”曾有央行官员和专家呼吁通过设立独立的第三方支付或监督平台，建立有效的防火墙机制。

In fact,The credit business model to everyone has a great dispute.Academy of financial research institute bank research director CengGang concerns:"Although the current P2P loan platform is based on the existing market,But it in the outside supervision,And is not subject to regulation of the credit limit."There have been the central bank officials and experts called for by an independent third party payment or supervision platform,To establish an effective firewall mechanism.

　　银行业人士称，现在人人贷还处于缺少政策法规、无人监管的境地。如果任其野蛮生长，人人贷的异化创新，涉嫌非法集资的行为可能会层出不穷，这将对目前的金融秩序和金融稳定产生影响。

Bankers say,Now everyone credit is still in the lack of policies and regulations/No one supervision situation.If let the savage growth,All the alienation of credit innovation,Suspected illegal financing behavior may emerge in endlessly,This will present financial order and financial stability influence.

　　监管机构已对这种“人人贷”模式加以重视。银监会印发的《中国银监会办公厅关于人人贷有关风险提示的通知》(银监办发[2011]254号)要求，银行业金融机构建立与“人人贷”中介公司之间的“防火墙”，严防“人人贷”中介公司帮助放款人从银行获取资金后用于民间借贷。

Regulators have to this"Everyone credit"Mode to attach importance to.The CBRC issued by[General office of the CBRC on all relevant credit risk prompt notice](Prison silver hair [2011] no. 254)requirements,Banking financial institutions establishment and"Everyone credit"Between the intermediary company"firewall",Take strict precautions against"Everyone credit"Intermediary company help loan from the bank after access to funds for folk loan.