本报记者 杨中华 北京报道

Our reporter Beijing zhonghua Yang

　　P2P的创新正层出不穷。

P2P innovation is emerge in endlessly.

　　一位生活在农村的妇女，耕种着自己的农田，但是在闲暇时，也希望能够通过自身的努力来改变家庭生活环境，但是这些都需要一定的资金支持，而她显然不是商业银行或者当地农商行喜欢的客户。

A live in rural women,Farming their farmland,But in my spare time,Also hope can through own efforts to change the living environment of the family,But all these need some financial support,But she was clearly not commercial bank or the local agricultural businesses like customers.

　　在中国版图的另外一个繁华的都市，工作多年的李先生也在银行内有不少储蓄，同时也进行着分散投资。“有一天，在网络上看到了这种有点公益性的小额贷款，帮助一些希望能够改变自身的人，而且他们需要的资金并不是太多，同时一个借款人可以同时接受很多出借人的资金。由于是公益性的，出借人的收益率是比较低的，感觉挺有意义。”李先生说道。

In the Chinese territory of another prosperous cities,For many years there were a lot of Mr. Lee is also in the bank savings,At the same time also on investment diversification."One day,On the network to see this a little public welfare of microfinance,Help some hope to be able to change their own people,And they need money and not too much,At the same time a borrower can also take a lot of money lender.Because is the public welfare,The yield on the lender is relatively low,Feel quite meaningful."Mr. Li said.

　　在不同的区域，没有任何交集的个人，却因为P2P网络服务平台而有效地连接起来，而上述的宜农贷也是P2P网络贷款中的一个小产品，同时随着市场环境的变化以及行业规模的扩大，P2P网络贷款也出现了很多异化。同时，对于P2P的监管，行业内也存在着很多争议。

In different area,Without any intersection of personal,But because of P2P network services platform and effectively link,And the above has credit is P2P networks of a small loan products,At the same time, along with the change of market environment and industry of the enlargement of scale,P2P network loans also appeared a lot of alienation.At the same time,For the supervision of the P2P,Within the industry, there are also a lot of controversy.

P2P异化与坚守 P2P alienation and stick to

　　据安信证券研究员马柯测算，目前国内各种形式的P2P平台已经超过了300家，2012年的行业成交量高达200多亿元。

According to access securities researcher MaKe estimates,At present domestic various forms of P2P platform has more than 300,2012 years of industry volume as high as more than 200 yuan.

　　虽然P2P平台数量和交易规模已经快速扩张，但是目前P2P平台以商业秘密等各种理由没有增加自身的透明度。

Although P2P platform number and transaction scale has been rapid expansion,But at present P2P platform to commercial secrets, etc. Various kinds of reasons not increase the transparency of their own.

　　与此同时，在2013年1月20日，人人贷发布了2012年公司年报，也成为唯一一家发布年报的P2P平台，而其年报也显示出，在2012年P2P平台行业处于快速发展的阶段。

meanwhile,In January 2013, twenty,Everyone credit issued in 2012, the company's annual report,Has become the only one of the annual report released P2P platform,And the annual report also shows,In 2012 P2P platform industry in rapid development stage.

　　人人贷2012年年报显示，该公司2012年网络交易额同比增长了803%，呈现了爆炸式的增长，新增交易金额达到了3.54亿元，为理财人赚取了1320万元收益，网站理财人平均投标利率为13.6%。

Everyone credit 2012 annual report shows,The company in 2012 network turnover year-on-year growth of 803%,Presents the explosion of growth,The amount of new trade reached 354 million yuan,For financial people earn 13.2 million yuan income,Web site finance people average bid rate is 13.6%.

　　除了人人贷的年报引人关注之外，其推出的优选理财计划也受到了市场的关注。不再是由出借人来选择网站借款列表的标的，而是由人人贷先归集资金之后，再来投资网站内实地认证的标的。

In addition to all the annals of credit outside public attention,The launch of the optimizing financial planning is also affected by the attention of the market.No longer is by the lender to choose website borrowing of the subject matter of the list,But by all credit first after collects the funds,Come again investment site field certification mark.

　　一位银行人士则质疑道，人人贷这样做，是否有一些涉嫌非法集资、吸收公众存款违规的嫌疑呢？同时，形成资金池之后，再投放出去，而其是否有这样的资质来发行这样的产品呢？

A bank people are questioning way,All credit to do so,Are there any suspected illegal financing/Absorbing public deposits suspected of illegal??At the same time,After the formation of the pool,To put out,And if it have such a qualification to issue such a product that is?

　　还有“秒标客”，则是P2P平台推出的借款标的，在其借款金额完成之后，就会马上把本金以及约定的利息返还到投资者的账户中，来吸引更多的投资客，打开P2P平台的局面。

and"Seconds standard guest",P2P platform is introduced loan mark,In its borrowing amount after completion,Will get the principal and interest of investors agreed to return to the account,To attract more investment guest,Open the P2P platform situation.

　　在宜信CEO唐宁给员工的一封内部信中显示，普惠金融和财富管理将是支撑公司未来发展的两大业务。2013年，将是宜信推进普惠金融和财富管理全面发展的关键一年。

In the appropriate letter CEO downing to staff an internal letter display,Pratt &whitney finance and wealth management will be supporting the company future development of the two big business.In 2013,,Will be appropriate letter propulsion pratt &whitney finance and wealth management comprehensive development in a key.

　　同时，唐宁还在信中讲道，普惠金融本质上则是通过技术和营销创新，降低享受金融服务的门槛，使金融的大门最终向所有人敞开。

At the same time,Downing still in the letter says,Pratt &whitney financial essence is through technology and marketing innovation,Enjoy lower the threshold of the financial services,Make financial doors open to all people finally.

　　在P2P市场快速发展和异化的同时，拍拍贷创始人张俊坚持纯金融信息服务平台的理念，但需要在技术创新、金融创新等之间取舍。

In the P2P market fast development of alienation and at the same time,Clap credit founder handsome adhere to the pure financial information services platform concept,But need in technological innovation/Financial innovation choice between.

P2P急需监管 P2P need supervision

　　随着P2P平台的快速发展，行业内也出现了一些风险案例。在2011年，出现了贝尔创投事件，而近期也出现了融宜宝事件，而其间也有一些小平台出现跑路。

With the rapid development of P2P platform,In the industry also appeared some risk case.In 2011,Appeared bell venture event,And the recent also appeared melt appropriate treasure event,And it also has a few little platform appear to run road.

　　监管，成为了行业内讨论的焦点。除了先前银监会发布了P2P的风险提示之外，目前没有更加明确的监管单位和监管政策。

supervision,Become the focus of discussion in the industry.In addition to the previously issued by CBRC P2P risk tip outside,There is no more clear supervision unit and regulatory policy.

　　财经委副主任吴晓灵则在不同场合表达对P2P平台的警示，希望其能够不触碰非法集资的红线。

Deputy director of the CaiJingWei WuXiaoLing in different occasions to express P2P platform warning,Hope it can not touch the red line of the illegal funds.

　　贷帮CEO尹飞则认为，鞋带绑好了再跑。P2P这个行业现在是有点热，初期太热，不一定是好事。很多同行没有彻底准备好，过早追求增长和盈利，还是属于抢跑，不利于长期健康的发展。

Credit help CEO YinFeiZe think,Lace tie up the run again.P2P this industry is now a little hot,Initial too hot,Is not necessarily good.A lot of peer not completely ready,Premature pursuit of growth and profitability,Still belongs to jump start,Go against the development of long-term health.

　　“有一个概念还没有公开地被提出来讨论，那就是类资本充足率。P2P行业接受借贷双方的委托，管理庞大的信贷资产，而最终承担风险的应该是从业机构。不管从业机构风险技术水平有多高，用什么模式，最终还是要用自有资本来承担这个风险。P2P机构是不是也应该引入类资本充足率的管理？”尹飞认为。

"There is a concept is not was openly discussing,That is kind of capital adequacy ratio.P2P industry accept the entrustment of the lending both sides,Management huge credit assets,And the final risk should be working mechanism.No matter from institutions risk how high technology level,What mode,Finally still need to use equity capital to take the risk.P2P mechanism is also should introduce kind of capital adequacy ratio management?"YinFei think.

　　同时，跟踪研究民间借贷以及P2P平台的中央财经大学教授黄震认为，P2P平台的发展是中国民间借贷阳光化平台的希望所在。对于P2P行业的规范，则应该是边发展边规范，在发展中摸索规范。

At the same time,Tracking research of folk loan and P2P platform of the central university of finance and economics professor danseur think,P2P platform is the development of the Chinese folk lending sunshine change platform in hope.For P2P industry standard,It should be edge development side specification,In developing grope for standard.

　　黄震指出，可以引入温州、鄂尔多斯(600295,股吧)等民间借贷登记服务中心，使P2P平台进入监管，同时成立行业自律组织，来进行行业自律和约束。

Danseur pointed out that,May introduce the wenzhou/ordos(600295,guba)And folk lending registration service center,Make P2P platform to supervision,At the same time established self-regulatory organization of the industry,To carry out the self-discipline and constraint.

　　一直致力于推广小额信贷的小额信贷联盟，在1月25日，召集了行业内的P2P小额信贷信息咨询服务机构，讨论行业自律公约实施细则，并且随后在其网站发布了自律公约全文。

Has been committed to the promotion of microfinance microfinance alliance,On January 25,,Called the industry within the P2P microfinance information consulting services,Discuss the detailed rules for the implementation of industry self-discipline,And then in its website released full self-discipline.

　　面对P2P平台的各种模式，发布的自律公约中P2P模式，是依法登记注册，为民间借贷双方提供个人对个人小额信贷风险管理、理财咨询等一整套信贷风险咨询和管理服务，并已加入P2P行业委员会的第三方信息咨询服务机构。

In the face of the P2P platform for the various pattern,Release the self-discipline of P2P mode,Is registered according to law,For folk lending both sides provide the individual to individual small credit risk management/Financial consulting a set of credit risk consulting and management services,And has joined P2P industry committee third party information consulting services.

　　小额信贷联盟秘书长白澄宇曾说道，目前联盟正在做行业的数据详细统计，已经与一些P2P平台有所联系，等2013年会有一定的数据报告。而在公约里面，也有要求P2P平台定期公布一些数据，增加自身的透明度。

Microfinance league secretary general BaiChengYu had said,The league is doing industry data detailed statistics,Have some P2P platform to be linked,In 2013 and has certain data report.And in the convention inside,Also have requirements P2P platform regularly publish some data,Increase the transparency of their own.