P2P模式天生应该具备的很多特质，如分散的、阳光的、互联网的，却越来越少。在目前的政策环境和社会成熟度下，网络贷款平台急功近利的追求创新，不如在业务基础上的缓慢而微小的创新

P2P model natural should have many characteristics,Such as the scattered/sunshine/The Internet,But less.In the present policy under the environmental and social maturity,The network platform of loans get rich quick pursuit of innovation,As in the business on the basis of the slow and small innovation

　　跟钱靠近的生意总是惹人瞩目。

With money of a business is always close to attention.

　　P2P网络信贷是在网上完成借贷交易的生意，有人说，它将是中国互联网的第四种赢利模式——前三种是广告、电商和网游。

P2P network credit is online business lending transactions,Some say,It will be China's Internet the fourth profit pattern - the first three is advertising/Electric business and online.

　　作为国内P2P网络信贷行业的开创者，我们坚信，P2P网络信贷终究会成为成熟的商业模式。但在目前的情况下，揠苗助长的创新并不能让行业健康地发展，甚至躁进的创新还有可能葬送行业的信誉。

As the domestic P2P network the founder of the credit industry,We firmly believe that,P2P network credit will ultimately become a mature business model.But in the present circumstances,The innovation of the push them and can't let industry healthy development,Even in calm innovation and may ruin the credibility of the industry.

　　特质越来越少，“创新”愈演愈烈 Trait less,"innovation"intensified

　　我们发现， P2P模式天生应该具备的很多特质如分散的、阳光的、互联网的，却越来越少。

We found, P2P model natural should have many characteristics such as scattered/sunshine/The Internet,But less.

　　相反，一些本土特色的所谓“创新”愈演愈烈，比如，1.为了促进成交规模，网站使用了担保、风险池等一系列“扭曲”借贷风险的工具，导致借出者纯粹追求高利，且单笔投资金额越来越高，失去了分散投资的P2P本意；2.为了缩短筹资时间，网站在未有真实借贷交易之前，就通过理财产品等手段，先行吸纳了借出者资金，导致真实借贷中的交易双方不能做到一一对应，在法律上存在瑕疵；3.名为网络信贷，但实际主要业务是通过线下完成，名不副实。

instead,Some of the local characteristics of the so-called"innovation"intensified,Such as,1. In order to promote the scale to clinch a deal,Website using the guarantee/A series of risk pool"distortion"The risk of lending tools,Lead to lenders pure pursuit of usury,And single investment amount is more and more high,Lost investment diversification of P2P original idea;2. In order to shorten the time of financing,The site in no real before lending transactions,Through financial products, and other means,In the first money lenders,Lead to real lending in the trade both parties cannot do one to one correspondence,In the legal flaws;3. Called network credit,But the actual main business is the finish line,undeserved.

　　不得不说，这些创新可能实非所愿，一部分的原因是国家政策对P2P网络信贷模糊不清，很多本应由政府提供的公共基础服务，如征信系统，并不对民间资本开放，导致一些P2P网站举步维艰。

Have to say,These innovation may not wish reality,Part of the reason is the national policy on P2P network credit blur,A lot of this should be provided by the government of basic public services,Such as the reference system,Don't open on private capital,Cause some P2P website crippled.

　　这给了心怀恶意者以行恶的空间，所以去年下半年出现了一些P2P网站跑路的现象；也导致了一些想要做好企业的人不得不为了生存而被迫推出各种“创新”工具，应了“变通求存”的商业本性。

This gives spiteful person to do evil space,So in the second half of last year there have been some P2P website run road phenomenon;Also led to some want to be a good enterprise had to in order to survive and forced to launch a variety of"innovation"tool,Should be the"Adaptations to survive"Business nature.

　　其实，通过技术手段来解决借贷过程中的风险管理和成本控制是行业的两大难题，在前期也极容易产生亏损，但是绕开这两大行业难题去搞“创新”业务并非长久之计。

In fact,Through the technical means to solve in the process of loan risk management and cost control is the industry's two big problems,In the prophase also very easy to produce loss,But to get around this problem to make two major industry"innovation"The business is not a permanent solution.

　　阳光交易与平台分际 Sunshine trading and FenJi platform

　　我们坚信P2P模式之所以能够发展成熟，根本原因是在“阳光交易”的大前提下，实现社会资金的高效流转，让借出者和借入者以“低成本、高效率”的方式直接达成交易。而P2P网站本质上只是信息平台和交易中介，其职能角色不能逾越分际。

We firmly believe that the development of P2P mode are able to mature,Root cause is in"Sunshine trading"The premise of,The realization of social capital efficient flow,Let lenders and loanee to"Low cost/High efficiency"Way to deal directly.And P2P web site essentially just information platform and trading intermediary,Its function FenJi role cannot be crossed.

　　先说“阳光交易”，此乃民间借贷最大的缺失，我们深信国家一定会对此进行规范，大量的灰色交易将被逼出地面，而黑色交易会被驱逐出市场。

first"Sunshine trading",This is a folk lending the biggest loss,We believe that the country will certainly be to specification,A lot of grey trading will be forced out of the ground,And black fair are cast out of the market.

　　而在互联网则因为其天然能够储存大数据，方便进行数据分析。对网贷平台而言，每笔交易的相关信息均能够由系统详细记录在案，不仅可以给监管部门提供详实的数据，而且一旦发生风险也经受得起任何监督机关的审核。如果想让P2P行业长治久安，就必须首先体现出阳光交易的根本优越性来。

And on the Internet because it is natural to be able to store large data,Convenient for data analysis.On the net credit for platform,Each transaction information are able to record by the system in detail,Not only can give supervision departments to provide detailed data,And once it has occurred risk afford any audit supervision organs.If you want to make P2P security industry,We must first of all reflect the fundamental advantages to sunshine trading.

　　再说“平台分际”，P2P网站提供的不是金融服务，而是金融信息服务，工商登记清晰地界定了这一点。我们不能参与到金融交易中，不能让平台吸纳和聚集交易风险——而是靠高效便捷的服务取悦用户。

besides"Platform FenJi",P2P web site provides not financial services,But financial information service,Industry and commerce registration clearly define it.We can't participate in the financial transactions,Can't let platform absorption and accumulation trading risk - but depends on the efficient and convenient services to users.

　　引入担保、风险池等概念，将自身卷入到交易风险之中，是极不明智的，也从根本上限制了平台的可成交规模。假如以淘宝为例，如果这个购物平台自己销售“淘宝”牌卫生纸，可想它也不能实现年成交过万亿人民币的惊人规模。

Into guarantee/Concepts such as risk pool,Involved in its trade risk,Is very wise,Also fundamentally limits the platform scale can clinch a deal.If to clean out treasure as an example,If the shopping platform their sales"taobao"Brand of toilet paper,Can think it cannot achieve year deal over RMB trillions of amazing scale.

　　不变应万变 Changeless should changing

　　诚然一些“创新”领先者迅速做大了交易规模。由此，从业者的目光聚焦于短期利益。而极少有人把创新用在了不断优化自己的网络信用评价和反欺诈系统上，用在不断优化交易系统上。

Indeed some"innovation"Leader quickly do big trade size.this,Practitioners eyes focused on short-term interests.And very few people with the innovation in the continuous optimization of its own network credit evaluation and anti-fraud system,In the continuous optimization of the trading system.

　　对于我们来说以不变应万变可能是更好的选择——不变的是P2P模式的根本优越性，而变的是国家政策和社会大环境的成熟度。我们并不急于一时的规模领先，更在意政策法规上的可持续。急于求成者或因生存压力，或因急功近利；我们能理解，却不能同路。

For us with changeless should changing may be a better choice - the same is P2P model of fundamental advantages,But change is the national policies and social environment maturity.We are not anxious to the scale of the lead,More care about the sustainable policies and regulations.The cart before horse person or for survival pressure,Or because get rich quick;We can understand,Cannot go the same way.

　　2008年次贷危机是金融创新的反面教材。来自纽约华尔街和伦敦金融城的天才金融数学家和聪明绝顶的银行家们创造了繁琐复杂的金融工具，以看似科学的方式破坏了借贷产品的内在规律，最终招致了毁灭性打击。

In 2008 the subprime crisis is the opposite of financial innovation teaching materials.From New York Wall Street and the city of London financial genius mathematician and clever bankers created the complex financial instruments,With seemingly scientific way to destroy the lending the inherent law of the product,Eventually cause a devastating blow.

　　以此为鉴，急功近利的追求创新不如在业务基础上的缓慢而微小的创新。我在这里奉劝所有P2P的从业者们，盲动不如缓动。（作者为上海拍拍贷金融信息服务有限公司CEO）

Aims to learn from,Get rich quick pursuit of innovation in business than on the basis of slow and small innovation.Here am I advise all of the P2P practitioners,"We as slow action.(The author is Shanghai clap credit financial information service co., LTD., CEO)