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1、摘要及关键词笔者对两者合作进行深入研究后，得出如下结论：第一，P2P网贷平台与小额贷款公司的合作在当前环境下竞争力强，能够在“服务小微”方面发挥1+1>2的作用；第二，这种合作方式能否健康发展，能否优化市场，有赖于双方的业务能力，以及网络技术、法律、监管、行业自律等方面的外部环境建设；第三，P2P网贷平台与小额贷款公司都应顺应时代变化，积极调整各自发展方式，不应受制于这种合作。关键词：P2P网络借贷；小额贷款公司；线上+线下；合作模式IIAbstractOnlinePeertoPeerLendingreferstotheInternet-based,persontoperson,poi
2、nttopoint,notthroughathirdparty(suchasabank)directlendingmodel.Inthisloanmode,mostoftheworkcompletedonline,eg.developingandcheckingborrowers,matchingborrowersandlenders,riskcontrolandloanrecovery.OnlinePeertoPeerLendingfirstappearedin2005intheUK,anditwasintroducedintoChinain2007,PPdaiisChina'sfi
3、rstP2Pplatform.Forsevenyears,OnlineP2PLendinghasbeenbrutalgrowthinabadenvironment:nobarrierstoentry,noindustrystandardandnoexternalsupervision”.AlargenumberofP2Pplatformcollapsed.Fortheindustry,theoutsideworldhaspositiveattitudeandalsoquestioned.Thegenerationofthesmallloancompanies,isduetothecou
4、ntryinordertosupportthe“threerural”EconomicandSMEdevelopment,andintendstomakethelegalizationofsmallloancompanies,inordertoguideprivatecapitalflowstovulnerablegroups.OnlineP2PLendingandSmallloancompanies'businesspositionaretraditionallydisadvantagedfinancialservicescannotbecovered,bothofthemhave“
5、inclusivefinance”character.Underthespecialdomesticmarketenvironment,localP2Pplatformsbegantocorrectingpurelinecorrectionmode,alargenumberofonlinetoofflinemodeappeared,ofwhichthereareP2Pplatformsandsmallloancompaniescooperation.Smallloancompaniesrecommendborrowers,theplatformisresponsibleforthede
6、velopmentofonlineinvestors.Thisnewmodelallowssmallcompaniestobypasstheregulatoryroutethroughloanfinancing,fundsbreakthebottleneck,breakinggeographicalrestrictions,butyoucantaketoreducetheriskofP2Pplatformsandoperatingcosts.ThefirstpartofthisarticlereviewstheliteratureaboutP2Pplatforms,smallloanc
7、ompaniesandfoundthatfewscholarsresearchcooperationmodein-depth.ThesecondpartandthethirdpartdescribethedevelopmentprocessandstatusofOnlineP2PLendingandsmallloancompanies,analysistheirmarketenvironment,aswellasIIItheirstrength
