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2016\u5e745\u670820\u65e5\uff0c\u5e7f\u4e1cP2P\u7f51\u8d37\u5e73\u53f0e\u901f\u8d37\u603b\u90e8\u51fa\u73b0\u5927\u6279\u8b66\u52a1\u4eba\u5458\uff0c\u5e73\u53f0\u7591\u4f3c\u88ab\u67e5\u300220\u65e5\u5f53\u665a\uff0c\u60e0\u5dde\u5e02\u516c\u5b89\u5c40\u60e0\u57ce\u533a\u5206\u5c40\u5b98\u65b9\u53d1\u5e03\u6d88\u606f\u79f0\uff1a\u6839\u636e\u7fa4\u4f17\u4e3e\u62a5\uff0c\u7ecf\u8fc7\u524d\u671f\u7684\u6478\u67e5\u5de5\u4f5c\u67e5\u5904\u4e86\u4e00\u5b97\u6d89\u5acc\u7f51\u4e0a\u975e\u6cd5\u5438\u6536\u516c\u4f17\u5b58\u6b3e\u6848\u4ef6\uff0c\u6d89\u6848\u516c\u53f8\u540d\u79f0\u4e3a\u5e7f\u4e1c\u6c47\u878d\u6295\u8d44\u80a1\u4efd\u516c\u53f8\uff08\u65d7\u4e0b\u7684\u7f51\u8d37\u5e73\u53f0\u4e3ae\u901f\u8d37\uff09\u30029\u670823\u65e5\uff0c\u60e0\u57ce\u533a\u516c\u5b89\u5206\u5c40\u5c06\u6b64\u524d\u902e\u6355\u768413\u540d\u72af\u7f6a\u5acc\u7591\u4eba\u4f9d\u6cd5\u79fb\u9001\u60e0\u57ce\u533a\u4eba\u6c11\u68c0\u5bdf\u9662\u8d77\u8bc9\u3002<\/p>\n

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2016\u5e745\u670827\u65e5\uff0c\u5168\u56fd\u80a1\u8f6c\u516c\u53f8\u6b63\u5f0f\u53d1\u5e03\u65bd\u884c\u300a\u5168\u56fd\u4e2d\u5c0f\u4f01\u4e1a\u80a1\u4efd\u8f6c\u8ba9\u7cfb\u7edf\u6302\u724c\u516c\u53f8\u5206\u5c42\u7ba1\u7406\u529e\u6cd5\uff08\u8bd5\u884c\uff09\u300b\uff0c\u5185\u5bb9\u5305\u62ec\u5206\u5c42\u6807\u51c6\u548c\u7ef4\u6301\u6807\u51c6\u3001\u5c42\u7ea7\u5212\u5206\u548c\u8c03\u6574\u7b49\uff0c\u672a\u6765\u521b\u65b0\u5c42\u548c\u57fa\u7840\u5c42\u6302\u724c\u516c\u53f8\u5c06\u91c7\u53d6\u5dee\u5f02\u5316\u5236\u5ea6\u5b89\u6392\u3002\u65b0\u4e09\u677f\u6302\u724c\u65b0\u89c4\u660e\u786e\uff0c\u4e92\u8054\u7f51\u91d1\u878d\u7b49\u7279\u6b8a\u884c\u4e1a\u6302\u724c\u516c\u53f8\uff0c\u5728\u76f8\u5173\u76d1\u7ba1\u653f\u7b56\u660e\u786e\u524d\uff0c\u6682\u4e0d\u8fdb\u5165\u521b\u65b0\u5c42\u3002<\/p>\n

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2016\u5e746\u6708\uff0c\u501f\u8d37\u5b9d\u7b2c\u4e00\u6b21\u88f8\u6761\u98ce\u6ce2\u7206\u53d1\u3002\u5a92\u4f53\u66dd\u5149\u6709\u5973\u5927\u5b66\u751f\u88ab\u8981\u6c42\u201c\u88f8\u6301\u201d\uff08\u4ee5\u624b\u6301\u8eab\u4efd\u8bc1\u7684\u88f8\u7167\u4e3a\u62b5\u62bc\uff09\u901a\u8fc7\u501f\u8d37\u5b9d\u8fdb\u884c\u501f\u6b3e\uff0c\u5f53\u903e\u671f\u65e0\u6cd5\u8fd8\u6b3e\u65f6\uff0c\u653e\u8d37\u4eba\u4ee5\u516c\u5f00\u88f8\u4f53\u7167\u7247\u548c\u4e0e\u7236\u6bcd\u8054\u7cfb\u7684\u624b\u6bb5\u4f5c\u4e3a\u8981\u631f\u903c\u8feb\u501f\u6b3e\u4eba\u8fd8\u6b3e\u7b49\u300211\u6708\uff0c\u501f\u8d37\u5b9d\u88f8\u6761\u95e8\u7b2c\u4e8c\u6b21\u7206\u53d1\u3002\u6709\u7f51\u53cb\u5fae\u535a\u7206\u6599\u79f0\uff0c\u5927\u91cf\u5973\u5b66\u751f\u901a\u8fc7\u201c\u501f\u8d37\u5b9d\u201d\u501f\u94b1\u65f6\u5e94\u51fa\u501f\u4eba\u8981\u6c42\u7559\u4e0b\u7684\u88f8\u7167\u3001\u89c6\u9891\u6b63\u5728\u6d41\u51fa\uff0c\u603b\u4f53\u79ef\u8d85\u8fc710G\u3002\u501f\u8d37\u5b9d\u6df1\u591c\u7d27\u6025\u53d1\u5e03\u7533\u660e\u6f84\u6e05\uff1a\u6b64\u7c7b\u4e0d\u96c5\u7167\u7cfb\u5c11\u6570\u7528\u6237\u4e0e\u7b2c\u4e09\u65b9\u4e0d\u6b63\u89c4\u501f\u8d37\u516c\u53f8\u6216\u653e\u8d37\u4eba\u79c1\u4e0b\u4ea4\u6613\u800c\u4ea7\u751f\u3002<\/p>\n

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2016\u5e748\u670814\u65e5\uff0c\u636e\u300a\u5357\u65b9\u90fd\u5e02\u62a5\u300b\u62a5\u9053\uff0c\u94f6\u76d1\u4f1a\u5411\u5404\u5bb6\u94f6\u884c\u4e0b\u53d1\u4e86\u300a\u7f51\u7edc\u501f\u8d37\u8d44\u91d1\u5b58\u7ba1\u4e1a\u52a1\u6307\u5f15\uff08\u5f81\u6c42\u610f\u89c1\u7a3f\uff09\u300b\uff09\u3002\u6839\u636e\u300a\u5f81\u6c42\u610f\u89c1\u7a3f\u300b\uff0c\u7f51\u8d37\u4e2d\u4ecb\u53ea\u80fd\u8fbe\u5230\u4e00\u5b9a\u7684\u8981\u6c42\u540e\uff0c\u624d\u80fd\u5f00\u5c55\u5b58\u7ba1\u4e1a\u52a1\u3002\u540c\u65f6\u5bf9\u4e8e\u73b0\u6709\u7684\u8d44\u91d1\u5b58\u7ba1\u6a21\u5f0f\uff0c\u610f\u89c1\u7a3f\u6700\u5177\u201c\u6740\u4f24\u529b\u201d\u7684\u662f\u63d0\u51fa\u201c\u5b58\u7ba1\u94f6\u884c\u5e94\u5bf9\u5ba2\u6237\u8d44\u91d1\u5c65\u884c\u76d1\u7763\u8d23\u4efb\uff0c\u4e0d\u5e94\u5916\u5305\u6216\u7531\u5408\u4f5c\u673a\u6784\u627f\u62c5\uff0c\u4e0d\u5f97\u59d4\u6258\u7f51\u8d37\u673a\u6784\u548c\u7b2c\u4e09\u65b9\u673a\u6784\u4ee3\u5f00\u51fa\u501f\u4eba\u548c\u501f\u6b3e\u4eba\u4ea4\u6613\u7ed3\u7b97\u8d44\u91d1\u8d26\u6237\u201d\u300211\u670828\u65e5\uff0c\u7f51\u4f20\u6d88\u606f\u79f0\uff0c\u94f6\u76d1\u4f1a\u8054\u5408\u5de5\u4fe1\u90e8\u3001\u5de5\u5546\u5c40\u53d1\u5e03\u4e86\u300a\u7f51\u7edc\u501f\u8d37\u4fe1\u606f\u4e2d\u4ecb\u5907\u6848\u767b\u8bb0\u7ba1\u7406\u6307\u5f15\u300b\uff0c\u4e3a\u65b0\u6ce8\u518c\u53ca\u5df2\u7ecf\u8bbe\u7acb\u5e76\u5f00\u5c55\u7ecf\u8425\u7684\u7f51\u8d37\u5e73\u53f0\u5907\u6848\u767b\u8bb0\u7ed9\u4e88\u6307\u5f15\u3002<\/p>\n

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2016\u5e74\uff0c\u5b9c\u4eba\u8d37\u56e0\u201c\u534a\u5e74\u5341\u500d\u80a1\u201d\u9707\u60ca\u56db\u5ea7\u30022\u670812\u65e5\uff0c\u521a\u521a\u8d74\u7f8e\u4e0a\u5e02\u4e0d\u5230\u4e24\u4e2a\u6708\u7684\u5b9c\u4eba\u8d37\u80a1\u4ef7\u4ece10\u7f8e\u5143\u8dcc\u81f33.35\u7f8e\u5143\u65f6\uff0c\u8c01\u4e5f\u6ca1\u80fd\u9884\u6599\u5230\uff0c\u5b83\u7684\u80a1\u4ef7\u5728\u534a\u5e74\u540e\u7adf\u5b9e\u73b0\u8d85\u8fc710\u500d\u7684\u589e\u957f\u30028\u670816\u65e5\uff0c\u5b9c\u4eba\u8d37\u4ee542.34\u7f8e\u5143\u7684\u80a1\u4ef7\u521b\u4e0b\u5386\u53f2\u65b0\u9ad8\u3002\u800c\u5728\u8fd9\u4e4b\u540e\u7684\u534a\u4e2a\u6708\u7684\u65f6\u95f4\u91cc\uff0c\u9762\u4e34\u6700\u4e25\u7f51\u8d37\u76d1\u7ba1\u529e\u6cd5\u4ee5\u53ca\u5f8b\u6240\u8bc9\u8bbc\uff0c\u5b9c\u4eba\u8d37\u7684\u80a1\u4ef7\u518d\u5ea6\u51fa\u73b0\u65ad\u5d16\u5f0f\u4e0b\u8dcc\uff0c\u76f8\u6bd4\u6700\u9ad8\u70b9\u4e00\u5ea6\u8dcc\u53bb\u8d8550%\u3002<\/p>\n

\u300a\u7f51\u7edc\u501f\u8d37\u4fe1\u606f\u4e2d\u4ecb\u673a\u6784\u4e1a\u52a1\u6d3b\u52a8\u7ba1\u7406\u6682\u884c\u529e\u6cd5\u300b\u6b63\u5f0f\u51fa\u53f0<\/strong><\/p>\n

2016\u5e748\u670824\u65e5\uff0c\u94f6\u76d1\u4f1a\u3001\u516c\u5b89\u90e8\u3001\u5de5\u4fe1\u90e8\u3001\u4e92\u8054\u7f51\u4fe1\u606f\u529e\u516c\u5ba4\u56db\u90e8\u59d4\u8054\u5408\u53d1\u5e03\u300a\u7f51\u7edc\u501f\u8d37\u4fe1\u606f\u4e2d\u4ecb\u673a\u6784\u4e1a\u52a1\u6d3b\u52a8\u7ba1\u7406\u6682\u884c\u529e\u6cd5\u300b\uff0c\u5168\u6587\u5305\u542b\u516b\u7ae0\uff0c\u5171\u8ba1\u56db\u5341\u4e03\u6761\u3002\u300a\u6682\u884c\u529e\u6cd5\u300b\u81ea\u516c\u5e03\u4e4b\u65e5\u8d77\u65bd\u884c\u3002\u636e\u6089\uff0c\u4e3a\u907f\u514d\u300a\u6682\u884c\u529e\u6cd5\u300b\u51fa\u53f0\u5bf9\u884c\u4e1a\u9020\u6210\u8f83\u5927\u51b2\u51fb\uff0c\u300a\u6682\u884c\u529e\u6cd5\u300b\u4f5c\u51fa\u4e8612\u4e2a\u6708\u8fc7\u6e21\u671f\u7684\u5b89\u6392\uff0c\u5728\u8fc7\u6e21\u671f\u5185\u901a\u8fc7\u91c7\u53d6\u81ea\u67e5\u81ea\u7ea0\u3001\u6e05\u7406\u6574\u987f\u3001\u5206\u7c7b\u5904\u7f6e\u7b49\u63aa\u65bd\uff0c\u8fdb\u4e00\u6b65\u51c0\u5316\u5e02\u573a\u73af\u5883\uff0c\u4fc3\u8fdb\u673a\u6784\u89c4\u8303\u53d1\u5c55\u3002<\/p>\n

\u4e2d\u56fd\u4e92\u91d1\u534f\u4f1a\u51fa\u53f0\u201c\u53f2\u4e0a\u6700\u4e25\u4fe1\u62ab\u201d \u6d8996\u9879\u6307\u6807<\/p>\n

2016\u5e7410\u670828\u65e5\uff0c\u4e2d\u56fd\u4e92\u8054\u7f51\u91d1\u878d\u534f\u4f1a\u53d1\u5e03\u516c\u544a\u79f0\uff0c\u7ecf\u534f\u4f1a\u7b2c\u4e00\u5c4a\u5e38\u52a1\u7406\u4e8b\u4f1a2016\u5e74\u7b2c\u4e8c\u6b21\u4f1a\u8bae\u5ba1\u8bae\u901a\u8fc7\uff0c\u4e8e10\u670828\u65e5\u6b63\u5f0f\u53d1\u5e03\u300a\u4e92\u8054\u7f51\u91d1\u878d\u4fe1\u606f\u62ab\u9732\u4e2a\u4f53\u7f51\u7edc\u501f\u8d37\u300b\u6807\u51c6(T\/NIFA1\u20142016)\u548c\u300a\u4e2d\u56fd\u4e92\u8054\u7f51\u91d1\u878d\u534f\u4f1a\u4fe1\u606f\u62ab\u9732\u81ea\u5f8b\u7ba1\u7406\u89c4\u8303\u300b\u3002\u516c\u544a\u663e\u793a\uff0c\u300a\u4e92\u8054\u7f51\u91d1\u878d\u4fe1\u606f\u62ab\u9732\u4e2a\u4f53\u7f51\u7edc\u501f\u8d37\u300b\u6807\u51c6(T\/NIFA1\u20142016)\u5b9a\u4e49\u5e76\u89c4\u8303\u4e8696\u9879\u62ab\u9732\u6307\u6807\uff0c\u5176\u4e2d\u5f3a\u5236\u6027\u62ab\u9732\u6307\u6807\u903e65\u4e2a\u3001\u9f13\u52b1\u6027\u62ab\u9732\u6307\u6807\u903e31\u9879\uff0c\u5206\u4e3a\u4ece\u4e1a\u673a\u6784\u4fe1\u606f\u3001\u5e73\u53f0\u8fd0\u8425\u4fe1\u606f\u4e0e\u9879\u76ee\u4fe1\u606f\u7b49\u4e09\u65b9\u9762\u3002<\/p>\n

\u4e8c\u30012016\u5e74\u7f51\u7edc\u501f\u8d37\u5e73\u53f0\u6210\u4ea4\u6570\u636e<\/strong><\/p>\n

2.1\u5e73\u53f0\u6570\u91cf\u53ca\u5206\u5e03<\/strong><\/p>\n

\u622a\u81f32016\u5e7412\u6708\u5e95\uff0c\u7f51\u8d37\u884c\u4e1a\u6b63\u5e38\u8fd0\u8425\u5e73\u53f0\u6570\u91cf\u8fbe\u5230\u4e862448\u5bb6\uff0c\u76f8\u6bd42015\u5e74\u5e95\u51cf\u5c11\u4e86985\u5bb6\uff0c\u5168\u5e74\u6b63\u5e38\u8fd0\u8425\u5e73\u53f0\u6570\u91cf\u7ef4\u6301\u9010\u7ea7\u51cf\u5c11\u7684\u8d70\u52bf\uff0c\u4e0e2015\u5e74\u6570\u91cf\u5927\u5e45\u589e\u52a0\u5448\u73b0\u622a\u7136\u76f8\u53cd\u7684\u60c5\u51b5\u30022016\u5e74\u5168\u5e74\u65b0\u4e0a\u7ebf\u5e73\u53f0\u4e3a756\u5bb6\uff0c\u5176\u4e2d2016\u5e74\u7b2c\u56db\u5b63\u5ea6\u4ec5\u65b0\u4e0a\u7ebf\u4e8638\u5bb6\uff0c\u800c2015\u5e74\u5168\u5e74\u65b0\u4e0a\u7ebf\u5e73\u53f0\u6570\u91cf\u9ad8\u8fbe2451\u5bb6\uff0c\u53ef\u89c1\u7f51\u8d37\u884c\u4e1a\u5df2\u7ecf\u4ece\u201c\u91ce\u86ee\u53d1\u5c55\u201d\u9636\u6bb5\u8fc8\u5411\u4e86\u201c\u89c4\u8303\u53d1\u5c55\u201d\u65b0\u9636\u6bb5\u3002<\/p>\n

\u622a\u81f32016\u5e74\u5e95\uff0c\u6b63\u5e38\u8fd0\u8425\u5e73\u53f0\u6570\u91cf\u6392\u540d\u524d\u4e09\u4f4d\u7684\u662f\u5e7f\u4e1c\u3001\u5317\u4eac\u3001\u4e0a\u6d77\uff0c\u6570\u91cf\u5206\u522b\u4e3a473\u5bb6\u3001461\u5bb6\u3001331\u5bb6\uff0c\u4e09\u5730\u5360\u5168\u56fd\u603b\u5e73\u53f0\u6570\u91cf\u7684\u6bd4\u4f8b\u4e3a51.67%\uff0c2015\u5e74\u540c\u671f\u8be5\u5360\u6bd4\u6570\u636e\u4e3a46.64%\uff0c\u8868\u660e\u4e00\u5e74\u5185\u5e73\u53f0\u533a\u57df\u96c6\u4e2d\u5ea6\u5728\u52a0\u5f3a\u3002\u6b63\u5e38\u8fd0\u8425\u5e73\u53f0\u6570\u91cf\u8d85\u8fc7100\u5bb6\u7684\u5730\u533a\u8fd8\u6709\u6d59\u6c5f\u3001\u5c71\u4e1c\u3001\u6c5f\u82cf\uff0c\u4e09\u4e2a\u5730\u533a2016\u5e74\u5e95\u6b63\u5e38\u8fd0\u8425\u5e73\u53f0\u6570\u91cf\u5206\u522b\u4e3a280\u5bb6\u3001118\u5bb6\u3001100\u5bb6\u3002<\/p>\n

\u7531\u4e8e\u7f51\u8d37\u884c\u4e1a\u653f\u7b56\u73af\u5883\u7684\u539f\u56e0\uff0c2016\u5e74\u5927\u91cf\u5e73\u53f0\u9000\u51fa\u884c\u4e1a\u3002\u8ba1\u5165\u7edf\u8ba1\u768430\u4e2a\u7701\u5e02\u4e2d\uff0c2016\u5e74\u4ec5\u8fbd\u5b81\u4e00\u5730\u6b63\u5e38\u8fd0\u8425\u5e73\u53f0\u6570\u91cf\u6709\u6240\u589e\u52a0\uff0c\u4f46\u662f\u589e\u52a0\u6570\u91cf\u4e5f\u4ec5\u4e3a1\u5bb6\u300229\u4e2a\u6b63\u5e38\u8fd0\u8425\u5e73\u53f0\u6570\u91cf\u4e0b\u964d\u7684\u7701\u5e02\u4e2d\uff0c\u5c71\u4e1c\u3001\u5e7f\u4e1c\u51cf\u5c11\u6570\u91cf\u6700\u591a\uff0c\u5206\u522b\u51cf\u5c11\u4e86210\u5bb6\u3001183\u5bb6\uff0c\u5176\u4f59\u7701\u5e02\u4e0b\u964d\u6570\u91cf\u5c0f\u4e8e\u767e\u5bb6\u3002<\/p>\n

2016\u5e74\uff0c\u968f\u7740P2P\u7f51\u8d37\u884c\u4e1a\u7684\u6574\u6539\u53ca\u5e73\u53f0\u7ecf\u8425\u538b\u529b\u5c45\u9ad8\u4e0d\u4e0b\u7b49\u539f\u56e0\uff0c\u9020\u6210\u4e86\u9000\u51fa\u884c\u4e1a\u7684\u5e73\u53f0\u6570\u91cf\u76f8\u6bd42015\u5e74\u8fdb\u4e00\u6b65\u589e\u52a0\uff0c\u4e00\u5e74\u7d2f\u8ba1\u505c\u4e1a\u53ca\u95ee\u9898\u5e73\u53f0\u6570\u91cf\u8fbe\u52301741\u5bb6\u3002\u4e0d\u8fc7\u6211\u4eec\u53ef\u4ee5\u770b\u5230\uff0c\u76f8\u6bd4\u524d\u51e0\u5e74\uff0c2016\u5e74\u505c\u4e1a\u7c7b\u578b\u7684\u5e73\u53f0\u6570\u91cf\u5360\u6bd4\u8fdc\u8d85\u8dd1\u8def\u7b49\u95ee\u9898\u5e73\u53f0\u7684\u6570\u91cf\u5360\u6bd4\uff0c\u8fd9\u4e5f\u8868\u660e\u884c\u4e1a\u5411\u7740\u66f4\u52a0\u826f\u6027\u7684\u65b9\u5411\u53d1\u5c55\u3002<\/p>\n

2016\u5e74\uff0cP2P\u7f51\u8d37\u884c\u4e1a\u7ecf\u5386\u4e86\u81ea2007\u5e74\u4ee5\u6765\u5f62\u52bf\u6bd4\u8f83\u8270\u5de8\u7684\u4e00\u5e74\uff0c\u4f46\u662f\u4ecd\u7136\u6709\u5927\u91cf\u8d44\u672c\u770b\u597d\u672a\u6765\u7684\u53d1\u5c55\uff0c\u6d8c\u5165\u7f51\u8d37\u884c\u4e1a\u3002\u636e\u4e0d\u5b8c\u5168\u7edf\u8ba1\uff0c\u622a\u81f32016\u5e74\u5e95\uff0c\u7f51\u8d37\u884c\u4e1a\u5386\u53f2\u7d2f\u8ba1\u83b7\u5f97\u98ce\u6295\u7684\u5e73\u53f0\u6570\u91cf\u5df2\u7ecf\u8fbe\u5230\u4e86131\u5bb6\uff0c\u4e0a\u5e02\u516c\u53f8\u3001\u56fd\u8d44\u5165\u80a1\u7684\u5e73\u53f0\u6570\u91cf\u5206\u522b\u4e3a120\u5bb6\u3001171\u5bb6\uff0c\u94f6\u884c\u80cc\u666f\u7684\u5e73\u53f0\u6570\u91cf\u4e3a15\u5bb6\u3002\u5bf9\u4e8e\u5e73\u53f0\uff0c\u5728\u884c\u4e1a\u96c6\u4e2d\u5ea6\u6108\u53d1\u589e\u52a0\u7684\u60c5\u51b5\u4e0b\uff0c\u62e5\u6709\u4e00\u4e2a\u5f3a\u5927\u7684\u80cc\u666f\u5df2\u7ecf\u6210\u4e86\u5176\u751f\u5b58\u53d1\u5c55\u91cd\u8981\u7684\u4f9d\u9760\uff0c\u53ef\u4ee5\u5438\u5f15\u66f4\u591a\u7684\u7f51\u8d37\u6295\u8d44\u65b0\u4eba\u8fdb\u5165\u3002\u636e\u7edf\u8ba1\uff0c\u8fd9\u4e9b\u80cc\u666f\u5e73\u53f0\u5360\u636e\u4e86\u884c\u4e1a\u8d85\u8fc76\u6210\u7684\u6210\u4ea4\u89c4\u6a21\u3002<\/p>\n

2.2\u7f51\u8d37\u6210\u4ea4\u91cf<\/strong><\/p>\n

2016\u5e74\u5168\u5e74\u7f51\u8d37\u884c\u4e1a\u6210\u4ea4\u91cf\u8fbe\u5230\u4e8620638.72\u4ebf\u5143\uff0c\u76f8\u6bd42015\u5e74\u5168\u5e74\u7f51\u8d37\u6210\u4ea4\u91cf\uff089823\u4ebf\u5143\uff09\u589e\u957f\u4e86110%\u3002\u57282016\u5e74\uff0cP2P\u7f51\u8d37\u884c\u4e1a\u5386\u53f2\u7d2f\u8ba1\u6210\u4ea4\u91cf\u63a5\u8fde\u7a81\u78342\u4e07\u4ebf\u5143\u30013\u4e07\u4ebf\u5143\u4e24\u4e2a\u5927\u5173\uff0c\u5355\u6708\u6210\u4ea4\u91cf\u66f4\u662f\u7a81\u7834\u4e862000\u4ebf\u5143\uff0c2016\u5e74\u201c\u7f51\u8d37\u53cc11\u201d\u5355\u65e5\u518d\u6b21\u7a81\u7834100\u4ebf\u5143\uff0c\u5b9e\u73b0\u4e86116.07\u4ebf\u5143\uff0c\u8fd9\u4e00\u7cfb\u5217\u7684\u6210\u7ee9\u90fd\u53cd\u6620\u4e86P2P\u7f51\u8d37\u884c\u4e1a\u4ecd\u7136\u83b7\u5f97\u5927\u91cf\u6295\u8d44\u4eba\u9752\u7750\u7684\u4e8b\u5b9e\u3002<\/p>\n

\u4ece2016\u5e74\u5404\u6708\u7684\u6210\u4ea4\u91cf\u8d70\u52bf\u6765\u770b\uff0c\u9664\u4e862\u6708\u300110\u6708\u5b63\u8282\u6027\u56e0\u7d20\u7684\u5f71\u54cd\u9664\u5916\uff0c\u5168\u5e74\u603b\u4f53\u5448\u73b0\u4e00\u4e2a\u4e0a\u5347\u7684\u8d70\u52bf\u30022016\u5e741\u6708\u81f32016\u5e7412\u6708\u7f51\u8d37\u6210\u4ea4\u91cf\u4ee5\u6708\u57475.15%\u7684\u901f\u5ea6\u589e\u52a0\uff0c\u76f8\u6bd42015\u5e74\u589e\u901f\u6709\u6240\u653e\u7f13\uff0c\u8fd9\u4e5f\u53cd\u6620\u4e86\u884c\u4e1a\u53d1\u5c55\u5df2\u7ecf\u5f00\u59cb\u8d8b\u4e8e\u5e73\u7a33\u5065\u5eb7\u3002<\/p>\n

\u65e0\u8bba\u4ece\u5730\u533a\u96c6\u4e2d\u5ea6\u8fd8\u662f\u4ece\u5e73\u53f0\u96c6\u4e2d\u5ea6\u6765\u770b\uff0cP2P\u7f51\u8d37\u884c\u4e1a\u201c\u9a6c\u592a\u6548\u5e94\u201d\u9010\u6e10\u5f00\u59cb\u663e\u73b0\u3002\u5148\u4ece\u5730\u533a\u5355\u6708\u96c6\u4e2d\u5ea6\u8d70\u52bf\u6765\u770b\uff0c\u4ee5\u5317\u4eac\u3001\u4e0a\u6d77\u3001\u5e7f\u4e1c\u3001\u6d59\u6c5f\u56db\u4e2a\u7f51\u8d37\u53d1\u5c55\u5c45\u524d\u7684\u5730\u533a\u4e3a\u5206\u6790\u5bf9\u8c61\uff0c12\u6708\u8fd9\u56db\u4e2a\u5730\u533a\u6210\u4ea4\u91cf\u5360\u6bd4\u4e3a88.65%\uff0c1\u6708\u4e3a84.86%\uff0c\u4ece\u96c6\u4e2d\u5ea6\u8d70\u52bf\u770b\uff0c\u6709\u9010\u6b65\u96c6\u4e2d\u7684\u53d1\u5c55\u6001\u52bf\u3002<\/p>\n

2016\u5e7412\u6708\uff0cP2P\u7f51\u8d37\u884c\u4e1a\u6210\u4ea4\u91cf\u524d100\u7684\u5e73\u53f0\u6210\u4ea4\u91cf\u5360\u5230\u5168\u884c\u4e1a\u6210\u4ea4\u91cf\u7684\u6bd4\u4f8b\u4e3a78%\uff1b\u524d200\u7684\u5e73\u53f0\u6210\u4ea4\u91cf\u5360\u6bd4\u4e3a87%\uff1b\u524d300\u7684\u5e73\u53f0\u6210\u4ea4\u91cf\u5360\u6bd4\u9ad8\u8fbe91%\u3002\u76f8\u6bd42016\u5e74\u5e74\u521d\u5747\u6709\u4e0d\u540c\u7a0b\u5ea6\u7684\u4e0a\u5347\uff0c\u5176\u4e2d\u6210\u4ea4\u91cf\u524d100\u7684\u4e0a\u5347\u5e45\u5ea6\u66f4\u5927\uff0c\u8fd9\u4e5f\u53cd\u6620\u4e86\u6210\u4ea4\u66f4\u591a\u7684\u53d1\u751f\u5728\u6210\u4ea4\u91cf\u524d100\u7684\u5e73\u53f0\u4e2d\u3002 2.3\u7f51\u8d37\u8d37\u6b3e\u4f59\u989d<\/strong><\/p>\n

\u968f\u7740\u6210\u4ea4\u91cf\u7a33\u6b65\u4e0a\u5347\uff0cP2P\u7f51\u8d37\u884c\u4e1a\u8d37\u6b3e\u4f59\u989d\u4e5f\u540c\u6b65\u8d70\u9ad8\u3002\u622a\u81f32016\u5e74\u5e95\uff0c\u7f51\u8d37\u884c\u4e1a\u603b\u4f53\u8d37\u6b3e\u4f59\u989d\u5df2\u7ecf\u8fbe\u5230\u4e868162.24\u4ebf\u5143\uff0c\u540c\u6bd42015\u5e74\u540c\u671f\u4e0a\u5347\u4e86100.99%\uff0c\u53ef\u89c1\u4e00\u5e74\u65f6\u95f4\u5185\u6570\u5343\u4ebf\u5143\u7684\u8d44\u91d1\u6d8c\u5165\u4e86\u7f51\u8d37\u884c\u4e1a\u3002\u7531\u4e8e\u8d44\u91d1\u7684\u4e3b\u8981\u53bb\u5411\u4ecd\u662f\u4ee5\u201c\u5f3a\u80cc\u666f\u201d\u5927\u5e73\u53f0\u4e3a\u4e3b\uff0c\u5927\u5e73\u53f0\u7684\u501f\u6b3e\u671f\u9650\u666e\u904d\u8f83\u957f\uff0c\u4e1a\u52a1\u589e\u957f\u8f83\u5feb\uff0c\u56e0\u6b64\u4f7f\u5f97\u8d37\u6b3e\u4f59\u989d\u51fa\u73b0\u4e86\u8f83\u4e3a\u660e\u663e\u7684\u589e\u957f\u3002<\/p>\n

\u4ece\u5404\u7701\u5e02\u5206\u5e03\u4e0a\u770b\uff0c\u5317\u4eac\u3001\u4e0a\u6d77\u3001\u5e7f\u4e1c\u4e09\u4e2a\u5730\u533a\u7684\u8d37\u6b3e\u4f59\u989d\u6392\u540d\u5168\u56fd\u524d\u4e09\u4f4d\uff0c2016\u5e74\u5e95\u7684\u8d37\u6b3e\u4f59\u989d\u5206\u522b\u4e3a3003.29\u4ebf\u5143\u30011900.48\u4ebf\u5143\u30011535.56\u4ebf\u5143\uff0c\u4e09\u4e2a\u5730\u533a\u5360\u5168\u56fd\u8d37\u6b3e\u4f59\u989d\u7684\u6bd4\u4f8b\u4e3a78.89%\u3002\u6d59\u6c5f\u3001\u6c5f\u82cf\u3001\u5c71\u4e1c\u3001\u91cd\u5e86\u7d27\u968f\u5176\u540e\uff0c2016\u5e74\u5e95\u7684\u8d37\u6b3e\u4f59\u989d\u5206\u522b\u4e3a641.63\u4ebf\u5143\u3001310.32\u4ebf\u5143\u3001185.03\u4ebf\u5143\u3001101.91\u4ebf\u5143\u3002<\/p>\n

2.4\u7f51\u8d37\u7efc\u5408\u6536\u76ca\u7387<\/strong><\/p>\n

2016\u5e74\u7f51\u8d37\u884c\u4e1a\u603b\u4f53\u7efc\u5408\u6536\u76ca\u7387\u4e3a10.45%\uff0c\u76f8\u6bd42015\u5e74\u7f51\u8d37\u884c\u4e1a\u603b\u4f53\u7efc\u5408\u6536\u76ca\u7387\u4e0b\u964d\u4e86284\u4e2a\u57fa\u70b9\uff081\u4e2a\u57fa\u70b9=0.01%\uff09\u3002\u6574\u4e2a2016\u5e74\u7efc\u5408\u6536\u76ca\u7387\u5ef6\u7eed2015\u5e74\u6574\u4f53\u4e0b\u884c\u7684\u8d70\u52bf\uff0c\u5f3a\u80cc\u666f\u5e73\u53f0\u7531\u4e8e\u5b89\u5168\u6027\u8f83\u9ad8\uff0c\u53d7\u5230\u8d8a\u6765\u8d8a\u591a\u6295\u8d44\u4eba\u7684\u8d44\u91d1\u6d8c\u5165\uff0c\u4f7f\u5f97\u7f51\u8d37\u884c\u4e1a\u7efc\u5408\u6536\u76ca\u7387\u6301\u7eed\u4e0b\u884c\u3002\u4e0d\u8fc7\u53d7\u5e74\u5e95\u8d44\u91d1\u9762\u7d27\u5f20\uff0c\u6295\u8d44\u4eba\u8d44\u91d1\u9700\u6c42\u8f83\u5927\uff0c\u4e0d\u5c11\u5e73\u53f0\u7eb7\u7eb7\u52a0\u606f\uff0c\u5e26\u52a8\u7f51\u8d37\u5e73\u53f0\u7efc\u5408\u6536\u76ca\u7387\u5e74\u5e95\u51fa\u73b0\u7fd8\u5c3e\u4e0a\u5347\u3002\u968f\u7740\u6765\u5e74\u8d44\u91d1\u9762\u5bbd\u677e\u3001\u66f4\u591a\u7684\u6295\u8d44\u4eba\u6d8c\u5165\u3001\u9650\u989d\u60c5\u51b5\u4e0b\u5bfc\u81f4\u4f18\u8d28\u8d44\u4ea7\u7f3a\u5931\u7684\u60c5\u51b5\u4e0b\uff0c\u7efc\u5408\u6536\u76ca\u7387\u6216\u8bb8\u5c06\u91cd\u56de\u4e0b\u964d\u8f68\u9053\u3002<\/p>\n

\u8fdb\u5165\u7edf\u8ba1\u7684\u5168\u56fd30\u4e2a\u7701\u5e02\u4e2d\uff0c\u9752\u6d77\u3001\u4e0a\u6d77\u3001\u91cd\u5e86\u3001\u7518\u8083\u3001\u5317\u4eac\u7684\u7efc\u5408\u6536\u76ca\u7387\u4f4e\u4e8e\u5168\u56fd\u6c34\u5e73\uff0810.45%\uff09\u3002\u53ef\u4ee5\u770b\u51fa\u8bf8\u5982\u4e0a\u6d77\u3001\u5317\u4eac\u4f20\u7edf\u91d1\u878d\u53d1\u5c55\u5c45\u4e8e\u524d\u5217\u7684\u7701\u5e02\u7efc\u5408\u6536\u76ca\u7387\u76f8\u5bf9\u8f83\u4f4e\uff0c\u7531\u4e8e\u8fd9\u4e9b\u5730\u533a\u7684\u5e73\u53f0\u4ea4\u6613\u5341\u5206\u6d3b\u8dc3\u3001\u4eba\u6c14\u65fa\u76db\uff0c\u5e73\u53f0\u65e0\u9700\u901a\u8fc7\u63d0\u9ad8\u5229\u7387\u7684\u65b9\u5f0f\u6765\u5438\u5f15\u6295\u8d44\u4eba\u30022016\u5e74\u7efc\u5408\u6536\u76ca\u7387\u6700\u9ad8\u7684\u4e09\u7701\u5e02\u5206\u522b\u662f\u5185\u8499\u53e4\u3001\u798f\u5dde\u3001\u5e7f\u897f\uff0c\u5206\u522b\u4e3a18.48%\u300114.68%\u548c14.66%\u3002<\/p>\n

\u4ece\u5404\u7701\u5e022016\u5e74\u7f51\u8d37\u7efc\u5408\u6536\u76ca\u7387\u53d8\u52a8\u60c5\u51b5\u6765\u770b\uff0c\u5168\u56fd30\u4e2a\u7701\u5e02\u4e2d\uff0c28\u4e2a\u7701\u5e02\u7684\u7efc\u5408\u6536\u76ca\u7387\u51fa\u73b0\u4e86\u4e0b\u964d\uff0c\u5176\u4e2d\u5185\u8499\u53e4\u3001\u7518\u8083\u3001\u5b89\u5fbd\u7b49\u5730\u533a\u66f4\u662f\u4e0b\u964d\u8d85\u8fc7\u4e86500\u4e2a\u57fa\u70b9\uff0c\u800c\u5317\u4eac\u3001\u4e0a\u6d77\u3001\u5e7f\u4e1c\u7f51\u8d37\u53d1\u5c55\u5c45\u524d\u7684\u4e09\u7701\u5747\u4e0b\u964d\u4e86\u7ea6200\u4e2a\u57fa\u70b9\uff0c\u4e0b\u964d\u5e45\u5ea6\u7565\u5fae\u5c0f\u4e8e\u884c\u4e1a\u6c34\u5e73\u3002<\/p>\n

2016\u5e74\u7f51\u8d37\u884c\u4e1a\u4e3b\u6d41\u7efc\u5408\u6536\u76ca\u7387\u533a\u95f4\u4e3a8%-12%\uff0c\u5360\u6bd4\u8fbe46.65%\uff0c\u800c2015\u5e74\u4e3b\u6d41\u7efc\u5408\u6536\u76ca\u7387\u533a\u95f4\u4e3a12%-18%\uff0c\u5360\u6bd4\u4e3a47.64%\u30022016\u5e748%\u4ee5\u4e0b\u533a\u95f4\u7684\u5360\u6bd4\u4e3a8.7%\uff0c\u76f8\u6bd42015\u5e74\u4e0a\u5347\u4e864.69\u4e2a\u767e\u5206\u70b9\u3002\u53e6\u4e00\u65b9\u9762\uff0c2016\u5e7418%\u4ee5\u4e0a\u533a\u95f4\u7684\u5360\u6bd4\u4e3a7.35%\uff0c\u76f8\u6bd42015\u5e74\uff0820.62%\uff09\u7684\u6570\u503c\u4e0b\u964d\u5e45\u5ea6\u8fbe\u523013.27\u4e2a\u767e\u5206\u70b9\u3002\u663e\u7136\u6211\u4eec\u4ece\u5e73\u53f0\u7efc\u5408\u6536\u76ca\u7387\u5206\u5e03\u60c5\u51b5\uff0c\u53ef\u4ee5\u66f4\u5fae\u89c2\u5730\u53d1\u73b0\u884c\u4e1a\u7efc\u5408\u6536\u76ca\u7387\u4e0b\u964d\u8f83\u4e3a\u660e\u663e\u3002<\/p>\n

2.5\u501f\u6b3e\u671f\u9650<\/strong><\/p>\n

2016\u5e74\u7f51\u8d37\u884c\u4e1a\u5e73\u5747\u501f\u6b3e\u671f\u9650\u4e3a7.89\u4e2a\u6708\uff0c\u76f8\u6bd42015\u5e74\u589e\u957f\u4e861.08\u4e2a\u6708\u3002\u4ece2016\u5e7412\u4e2a\u6708\u7684\u5e73\u5747\u501f\u6b3e\u671f\u9650\u8d70\u52bf\u770b\uff0c\u5e73\u53f0\u501f\u6b3e\u671f\u9650\u6709\u9010\u6b65\u8d70\u9ad8\u7684\u8ff9\u8c61\uff0c2016\u5e7412\u6708\u5e73\u5747\u501f\u6b3e\u671f\u9650\u5df2\u7ecf\u4e0a\u5347\u81f39.30\u4e2a\u6708\uff0c\u76f8\u6bd42016\u5e741\u6708\u5e73\u5747\u501f\u6b3e\u671f\u9650\u4ec5\u4e3a7.01\u4e2a\u6708\uff0c\u4e0a\u5347\u4e862.29\u4e2a\u6708\u3002\u968f\u7740\u7f51\u8d37\u5e73\u53f0\u8fdb\u5165\u5b58\u91cf\u6dd8\u6c70\u9636\u6bb5\uff0c\u5927\u5e73\u53f0\u6210\u4ea4\u91cf\u9ad8\u800c\u5e73\u5747\u501f\u6b3e\u671f\u9650\u957f\uff0c\u5f71\u54cd\u884c\u4e1a\u5e73\u5747\u501f\u6b3e\u671f\u9650\u62c9\u957f\u3002<\/p>\n

\u8fdb\u5165\u7edf\u8ba1\u7684\u5168\u56fd30\u4e2a\u7701\u5e02\u4e2d\uff0c\u4ec5\u4e0a\u6d77\u3001\u5317\u4eac\u548c\u9752\u6d77\u4e09\u5730\u7684\u5e73\u5747\u501f\u6b3e\u671f\u9650\u957f\u4e8e\u884c\u4e1a\u5e73\u5747\u6c34\u5e73\uff087.89\u4e2a\u6708\uff09\uff0c\u5206\u522b\u4e3a15.18\u30019.52\u548c8.37\u4e2a\u6708\u3002\u76f8\u6bd42015\u5e74\uff0c2016\u5e74\u670921\u4e2a\u7701\u5e02\u5e73\u5747\u501f\u6b3e\u671f\u9650\u51fa\u73b0\u4e86\u4e0a\u5347\uff0c\u8fd9\u4e5f\u8bf4\u660e\u884c\u4e1a\u5e73\u5747\u501f\u6b3e\u671f\u9650\u7684\u4e0a\u5347\u5e76\u4e0d\u5b8c\u5168\u662f\u4e2a\u522b\u6210\u4ea4\u91cf\u8f83\u5927\u7684\u7701\u5e02\u6240\u5e26\u52a8\u3002\u501f\u6b3e\u671f\u9650\u6700\u77ed\u7684\u4e09\u7701\u5e02\u662f\u5409\u6797\u3001\u5929\u6d25\u548c\u9ed1\u9f99\u6c5f\uff0c\u5206\u522b\u4e3a1.55\u4e2a\u6708\u30012.44\u4e2a\u6708\u548c2.63\u4e2a\u6708\u3002<\/p>\n

\u501f\u6b3e\u671f\u9650\u57281-3\u4e2a\u6708\u533a\u95f4\u7684\u5e73\u53f0\u6570\u91cf\u5360\u6bd4\u6700\u591a\uff0c\u8fbe\u523042.40%\uff0c\u8fd9\u4e00\u6bd4\u4f8b\u76f8\u6bd42015\u5e74\uff0845.41%\uff09\u7565\u5fae\u6709\u6240\u7f29\u77ed\uff0c3-6\u4e2a\u6708\u533a\u95f4\u7684\u5e73\u53f0\u6570\u91cf\u5360\u6bd4\u4e5f\u5230\u4e8634.56%\uff0c\u53ef\u89c1\u4e3b\u6d41\u5e73\u53f0\u7684\u501f\u6b3e\u533a\u95f4\u6bb5\u57281-6\u4e2a\u6708\u4e4b\u95f4\uff0c\u5360\u6bd4\u8fbe\u5230\u4e8676.96%\u3002\u4e0d\u8fc7\u884c\u4e1a\u5e73\u5747\u501f\u6b3e\u671f\u9650\u8981\u9ad8\u4e8e6\u4e2a\u6708\uff0c\u4e5f\u53cd\u6620\u884c\u4e1a\u96c6\u4e2d\u5ea6\u5347\u9ad8\u7684\u60c5\u51b5\u4e0b\uff0c\u884c\u4e1a\u5e73\u5747\u501f\u6b3e\u671f\u9650\u53d7\u5230\u6210\u4ea4\u91cf\u8fc710\u4ebf\u5143\u7684\u5927\u5e73\u53f0\u5f71\u54cd\u800c\u62c9\u957f\u30022016\u5e746-12\u4e2a\u6708\u533a\u95f4\u7684\u5e73\u53f0\u6570\u91cf\u5360\u6bd4\u4e3a14.33%\uff0c\u76f8\u6bd42015\u5e74\uff0813.51%\uff09\u6709\u6240\u4e0a\u5347\u3002<\/p>\n

2.6\u7f51\u8d37\u4eba\u6c14<\/strong><\/p>\n

2016\u5e74\u7f51\u8d37\u884c\u4e1a\u6295\u8d44\u4eba\u6570\u4e0e\u501f\u6b3e\u4eba\u6570\u5206\u522b\u7ea6\u4e3a1375\u4e07\u4eba\u548c876\u4e07\u4eba\uff0c\u8f832015\u5e74\u5206\u522b\u589e\u52a0134.64%\u548c207.37%\uff0c\u7f51\u8d37\u884c\u4e1a\u4eba\u6c14\u589e\u957f\u5e45\u5ea6\u4ecd\u7136\u8f83\u5927\u30022016\u5e74\u7531\u4e8e\u76d1\u7ba1\u653f\u7b56\u5bf9\u4e8e\u501f\u6b3e\u91d1\u989d\u7684\u9650\u5236\uff0c\u81f4\u4f7f\u8f83\u591a\u5e73\u53f0\u51fa\u73b0\u4e86\u5411\u8bf8\u5982\u6d88\u8d39\u91d1\u878d\u7b49\u4e1a\u52a1\u6a21\u5f0f\u7684\u8f6c\u578b\uff0c\u56e0\u6b64\u501f\u6b3e\u4eba\u6570\u589e\u957f\u901f\u5ea6\u8fdc\u8d85\u8fc7\u6295\u8d44\u4eba\u6570\u589e\u957f\u3002<\/p>\n

2016\u5e7412\u6708\u5355\u6708\u6d3b\u8dc3\u6295\u8d44\u4eba\u6570\u548c\u501f\u6b3e\u4eba\u6570\u5206\u522b\u5df2\u7ecf\u8fbe\u5230411.88\u4e07\u4eba\u548c203.97\u4e07\u4eba\uff0c\u800c2015\u5e7412\u6708\u7684\u5355\u6708\u6d3b\u8dc3\u6295\u8d44\u4eba\u6570\u548c\u501f\u6b3e\u4eba\u6570\u5206\u522b298.02\u4e07\u4eba\u548c78.49\u4e07\u4eba\uff0c\u8fd9\u7ec4\u6570\u636e\u540c\u6837\u53cd\u6620\u7f51\u8d37\u4eba\u6c14\u51fa\u73b0\u660e\u663e\u4e0a\u5347\u3002<\/p>\n

\u9009\u53d6\u8fd0\u8425\u8f83\u4e3a\u7a33\u5b9a\u3001\u6210\u4ea4\u91cf\u8f83\u4e3a\u6d3b\u8dc3\u7684\u7f51\u8d37\u5e73\u53f0\uff0c\u53d1\u73b02016\u5e74\u5355\u6708\u5355\u4e2a\u5e73\u53f0\u6295\u8d44\u91d1\u989d\u4ecb\u4e8e0-1\u4e07\u7684\u6295\u8d44\u4eba\u6570\u6700\u591a\uff0c\u5360\u6bd4\u9ad8\u8fbe50.31%\uff0c\u5176\u6b21\u6295\u8d44\u91d1\u989d\u4e3a1-10\u4e07\u4e4b\u95f4\uff0c\u5360\u6bd4\u9ad8\u8fbe35.23%\u3002\u5355\u6708\u5355\u4e2a\u5e73\u53f0\u6295\u8d44\u91d1\u989d\u5728100\u4e07\u4ee5\u4e0a\u7684\u6295\u8d44\u4eba\u6570\u5360\u6bd4\u4e3a1.29%\u3002<\/p>\n

\u4ece\u501f\u6b3e\u4eba\u89d2\u5ea6\u6765\u770b\uff0c2016\u5e74\u5355\u6708\u5355\u4e2a\u5e73\u53f0\u501f\u6b3e\u91d1\u989d\u4ecb\u4e8e0-20\u4e07\u7684\u501f\u6b3e\u4eba\u6700\u591a\uff0c\u5360\u6bd4\u9ad8\u8fbe95.07%\uff1b\u5176\u6b21\u4e3a20-100\u4e07\u4e4b\u95f4\uff0c\u501f\u6b3e\u4eba\u6570\u5360\u6bd4\u9ad8\u8fbe4.22%\uff1b100-1000\u4e07\u4e0e1000\u4e07\u4ee5\u4e0a\u7684\u501f\u6b3e\u4eba\u6570\u5360\u6bd4\u5206\u522b\u4e3a0.68%\u548c0.03%\u3002\u7efc\u4e0a\u53ef\u4ee5\u770b\u51fa\uff0c\u7531\u4e8e\u90e8\u5206\u5e73\u53f0\u4e3a\u4e86\u8fce\u5408\u501f\u6b3e\u9650\u989d\u7684\u8981\u6c42\uff0c\u7eb7\u7eb7\u8f6c\u578b\u4e1a\u52a1\u53d1\u5c55\u5c0f\u989d\u6d88\u8d39\u91d1\u878d\u4e1a\u52a1\uff0c\u4f7f\u5f972016\u5e74\u5355\u4e00\u5e73\u53f0\u501f\u6b3e\u4eba\u91d1\u989d\u4f4d\u4e8e0-20\u4e07\u5360\u6bd4\u51fa\u73b0\u8f83\u5927\u5e45\u5ea6\u7684\u4e0a\u5347\u3002<\/p>\n

\u4e09\u3001\u7f51\u7edc\u501f\u8d37\u884c\u4e1a\u8206\u60c5\u5206\u6790<\/strong><\/p>\n

3.1\u8206\u60c5\u6570\u636e\u6765\u6e90<\/strong><\/p>\n

P2P\u7f51\u8d37\u5177\u6709\u6781\u5f3a\u7684\u4e92\u8054\u7f51\u5c5e\u6027\uff0c\u56e0\u6b64\u76f8\u8f83\u4e8e\u4f20\u7edf\u91d1\u878d\uff0cP2P\u7f51\u8d37\u7684\u8206\u60c5\u6570\u636e\u5206\u5e03\u5728\u4e92\u8054\u7f51\u7684\u5404\u4e2a\u8282\u70b9\u53ca\u8fde\u63a5\u8def\u5f84\u4e0a\u3002\u82e5\u4ee5\u8282\u70b9\u7c7b\u578b\u4f5c\u4e3a\u5212\u5206\u6807\u51c6\uff0cP2P\u7f51\u8d37\u8206\u60c5\u6570\u636e\u6765\u6e90\u4e3b\u8981\u53ef\u4ee5\u5206\u4e3a\u4ee5\u4e0b\u4e09\u7c7b\uff1a<\/p>\n

\u4e00\u3001\u65b0\u95fb\u5a92\u4f53\uff0c\u5305\u62ec\u65b0\u6d6a\u3001\u7f51\u6613\u3001\u641c\u72d0\u7b49\u4e3b\u6d41\u65b0\u95fb\u95e8\u6237\u7f51\u7ad9\uff0c\u4e1c\u65b9\u8d22\u5bcc\u3001\u548c\u8baf\u3001\u4e2d\u56fd\u7ecf\u6d4e\u7f51\u7b49\u8d22\u7ecf\u7c7b\u7f51\u7ad9\uff0c\u7f51\u8d37\u4e4b\u5bb6\u7b49\u7f51\u8d37\u884c\u4e1a\u95e8\u6237\u7f51\u7ad9\u4ee5\u53ca\u5404\u7eb8\u5a92\u7c7b\u7f51\u7ad9\uff1b<\/p>\n

\u4e8c\u3001\u793e\u4ea4\u5a92\u4f53\uff0c\u5305\u62ecP2P\u7f51\u8d37\u5e73\u53f0\u548c\u4e00\u4e9b\u7b2c\u4e09\u65b9\u5e73\u53f0\u7684QQ\u7fa4\u3001\u5fae\u4fe1\u7fa4\u3001\u5fae\u4fe1\u516c\u4f17\u53f7\u3001\u5b98\u65b9\u5fae\u535a\u8d26\u6237\uff1b<\/p>\n

\u4e09\u3001P2P\u7f51\u8d37\u7b2c\u4e09\u65b9\u5e73\u53f0\u7684\u8bba\u575b\uff0c\u5305\u62ec\u7f51\u8d37\u4e4b\u5bb6\u7684\u793e\u533a\u9891\u9053\u7b49\u3002<\/p>\n

\u56e0\u6b64\uff0c\u6839\u636e\u6570\u636e\u7684\u53ef\u83b7\u53d6\u7ef4\u5ea6\u3001\u53ef\u6316\u6398\u6df1\u5ea6\u548c\u884c\u4e1a\u76f8\u5173\u5ea6\uff0c\u6211\u4eec\u9009\u53d6\u4e86\u4ee5\u4e0b\u6570\u636e\u6765\u6e90\u4f5c\u4e3a2016\u5e74\u7f51\u7edc\u501f\u8d37\u884c\u4e1a\u8206\u60c5\u5206\u6790\u7684\u6837\u672c\u6570\u636e\u6765\u6e90\uff1a<\/p>\n

\uff081\uff091000\u4f59\u5bb6\u65b0\u95fb\u7f51\u7ad9\uff1b<\/p>\n

\uff082\uff09300\u4f59\u4e2a\u65b0\u6d6a\u5fae\u535a\u8d26\u53f7\uff1b<\/p>\n

\uff083\uff09\u8fd1400\u4e2a\u5e73\u53f0\u5fae\u4fe1\u516c\u4f17\u53f7\uff1b<\/p>\n

\uff084\uff09\u8fd150\u5bb6\u8f83\u6d3b\u8dc3\u7684\u7f51\u8d37\u7b2c\u4e09\u65b9\u8bba\u575b\uff1b<\/p>\n

\uff085\uff09800\u4f59\u4e2a\u5e73\u53f0\u5b98\u65b9\u548c\u6295\u8d44\u4eba\u4ea4\u6d41QQ\u7fa4\u3002<\/p>\n

3.2\u7f51\u8d37\u884c\u4e1a\u8206\u60c5\u5206\u6790<\/strong><\/p>\n

3.2.1\u8206\u60c5\u7efc\u8ff0<\/strong><\/p>\n

2016\u5e74P2P\u7f51\u8d37\u76f8\u5173\u8206\u60c5\u6570\u91cf\u6709\u660e\u663e\u589e\u957f\uff0c\u4ec5\u65b0\u95fb\u62a5\u9053\u5c31\u8fbe\u5230180\u4e07\u7bc7\uff0c\u8f83\u4e0a\u5e74\u589e\u957f46%\u3002\u5176\u4e2d\uff0c\u8d1f\u9762\u65b0\u95fb\u6570\u91cf\u7ea6\u4e3a57\u4e07\u6761\u3002\u4e00\u65b9\u9762\uff0c\u8fd9\u662f\u56e0\u4e3aP2P\u7f51\u8d37\u884c\u4e1a\u4ea4\u6613\u4f53\u91cf\u4e0d\u65ad\u6269\u5927\uff0c\u793e\u4f1a\u8f90\u5c04\u9762\u66f4\u4e3a\u5bbd\u5e7f\uff1b\u53e6\u4e00\u65b9\u9762\uff0c2016\u5e74P2P\u7f51\u8d37\u884c\u4e1a\u7684\u89c4\u8303\u51c6\u5219\u76f8\u7ee7\u51fa\u53f0\uff0c\u5f15\u8d77\u4e86\u6295\u8d44\u4eba\u7fa4\u4f53\u7684\u5e7f\u6cdb\u5173\u6ce8\u3002\u53e6\u5916\uff0c\u8dd1\u8def\u5e73\u53f0\u4e8b\u4ef6\u4f9d\u7136\u5b58\u5728\uff0c\u65e5\u8d8b\u4e25\u5389\u7684\u5408\u89c4\u6027\u6807\u51c6\u4e5f\u8feb\u4f7f\u5927\u91cf\u5c0f\u5e73\u53f0\u8f6c\u578b\u6216\u8005\u505c\u4e1a\u3002\u800c\u8206\u8bba\u5bf9\u4e8e\u8d1f\u9762\u4e8b\u4ef6\u5f80\u5f80\u662f\u654f\u611f\u7684\uff0c\u8fd9\u4e5f\u5728\u4e00\u5b9a\u7a0b\u5ea6\u4e0a\u89e3\u91ca\u4e862016\u5e74P2P\u7f51\u8d37\u884c\u4e1a\u8d1f\u9762\u65b0\u95fb\u6570\u91cf\u5360\u6bd4\u8f832015\u5e74\u6709\u6240\u4e0a\u5347\u7684\u4e8b\u5b9e\u3002<\/p>\n

\u53e6\u5916\uff0cP2P\u7f51\u8d37\u76f8\u5173\u5fae\u535a\u6570\u91cf\u63a5\u8fd137\u4e07\u6761\uff0cP2P\u7f51\u8d37\u76f8\u5173\u5fae\u4fe1\u6587\u7ae0\u6570\u91cf\u8d85\u8fc713\u4e07\u6761\u3002\u4ece\u56fe3-2\u4e2d\uff0c\u4e0d\u96be\u770b\u5230\uff0cP2P\u7f51\u8d37\u884c\u4e1a\u8206\u60c5\u4e3b\u8981\u96c6\u4e2d\u5728\u65b0\u95fb\u7aef\uff0c\u5360\u6bd4\u8fbe\u523078.08%\u3002\u867d\u7136\u65b0\u5a92\u4f53\u5728\u8fd1\u4e9b\u5e74\u53d1\u5c55\u8fc5\u901f\uff0c\u4f46\u76f8\u8f83\u4e8e\u65b0\u95fb\u800c\u8a00\uff0c\u5176\u6700\u5927\u7684\u4f18\u52bf\u5728\u4e8e\u5bf9\u70ed\u70b9\u4e8b\u4ef6\u7684\u6355\u6349\u548c\u4f20\u64ad\uff0c\u800c\u4ece\u6574\u4f53\u7684\u4f53\u91cf\u6765\u770b\uff0c\u5728P2P\u7f51\u8d37\u8206\u60c5\u4e0a\u5176\u4f9d\u7136\u65e0\u6cd5\u548c\u65b0\u95fb\u7aef\u76f8\u6bd4\u3002<\/p>\n

\u4ece\u5404\u6708\u7684\u8206\u60c5\u6570\u91cf\u6765\u770b\uff0c\u65b0\u95fb\u7aef\u3001\u5fae\u535a\u7aef\u7684\u8206\u60c5\u91cf\u4e0eP2P\u7f51\u8d37\u884c\u4e1a\u70ed\u70b9\u4e8b\u4ef6\u6709\u8f83\u5927\u7684\u5173\u8054\u30023\u6708\uff0c\u53d7\u5230\u201c\u4e24\u4f1a\u201d\u53ec\u5f00\u3001\u4e2d\u56fd\u4e92\u8054\u7f51\u91d1\u878d\u534f\u4f1a\u6210\u7acb\u3001\u201c\u5feb\u9e7f\u201d\u7b49\u7ebf\u4e0b\u7406\u8d22\u673a\u6784\u4e8b\u4ef6\u7684\u5f71\u54cd\uff0c\u8206\u60c5\u91cf\u5927\u5e45\u4e0a\u5347\u30028\u6708\uff0cP2P\u7f51\u8d37\u76d1\u7ba1\u7ec6\u5219\u7684\u51fa\u53f0\u4f7f\u8206\u60c5\u91cf\u8fbe\u5230\u4e86\u5168\u5e74\u7684\u5cf0\u503c\u3002\u800c\u5fae\u4fe1\u7aef\u7684\u8206\u60c5\u6709\u8f83\u591a\u7684\u7f8a\u6bdb\u7c7b\u6587\u7ae0\uff0c\u5176\u53d8\u52a8\u60c5\u51b5\u53d7P2P\u7f51\u8d37\u5e73\u53f0\u7684\u6d3b\u52a8\u5f71\u54cd\u8f83\u5927\u3002<\/p>\n

3.2.2\u70ed\u70b9\u4e8b\u4ef6\u5206\u6790<\/strong><\/p>\n

2016\u5e74\u5bf9\u4e8eP2P\u7f51\u8d37\u884c\u4e1a\u800c\u8a00\uff0c\u662f\u91cd\u8981\u7684\u4e00\u5e74\u3002\u5728\u8fd9\u4e00\u5e74\uff0c\u884c\u4e1a\u5927\u4e8b\u9891\u53d1\u3002P2P\u7f51\u8d37\u65e2\u7ecf\u5386\u4e86\u5e73\u53f0\u8dd1\u8def\u7b49\u8d1f\u9762\u4e8b\u4ef6\u5e26\u6765\u7684\u9635\u75db\uff0c\u53c8\u770b\u5230\u4e86\u4e00\u7cfb\u5217\u76d1\u7ba1\u6761\u4f8b\u548c\u5408\u89c4\u6807\u51c6\u51fa\u53f0\u7ed9\u884c\u4e1a\u6240\u5e26\u6765\u7684\u66d9\u5149\u3002<\/p>\n

\u4e0a\u534a\u5e74\uff0c\u7531\u4e8e\u90e8\u5206\u6295\u8d44\u4eba\u53ca\u5a92\u4f53\u5bf9\u7ebf\u4e0b\u7406\u8d22\u548cP2P\u7f51\u8d37\u7f3a\u4e4f\u4e86\u89e3\uff0c\u5c06\u4e24\u8005\u6df7\u4e3a\u4e00\u8c08\uff0c\u5bfc\u81f4\u4ee5\u201c\u5feb\u9e7f\u201d\u3001\u201c\u4e2d\u664b\u7cfb\u201d\u4e3a\u9996\u7684\u4e00\u4e9b\u7ebf\u4e0b\u7406\u8d22\u516c\u53f8\u7206\u96f7\u4e8b\u4ef6\u5c06\u6574\u4e2aP2P\u7f51\u8d37\u884c\u4e1a\u95f9\u5f97\u4e4c\u70df\u7634\u6c14\uff0c\u4f7fP2P\u7f51\u8d37\u53d7\u5230\u4e86\u793e\u4f1a\u8206\u8bba\u7684\u8d28\u7591\u548c\u62a8\u51fb\u3002<\/p>\n

\u4e0b\u534a\u5e74\uff0c\u300a\u7f51\u7edc\u501f\u8d37\u8d44\u91d1\u5b58\u7ba1\u4e1a\u52a1\u6307\u5f15\uff08\u5f81\u6c42\u610f\u89c1\u7a3f\uff09\u300b\u7684\u4e0b\u53d1\uff0c\u5f15\u53d1\u4e86\u4eba\u4eec\u5bf9\u4e8e\u8d44\u91d1\u5b58\u7ba1\u8fd9\u4e00\u8bdd\u9898\u5e7f\u6cdb\u7684\u5173\u6ce8\u548c\u8ba8\u8bba\u3002\u300a\u7f51\u7edc\u501f\u8d37\u4fe1\u606f\u4e2d\u4ecb\u673a\u6784\u4e1a\u52a1\u6d3b\u52a8\u7ba1\u7406\u6682\u884c\u529e\u6cd5\u300b\u7684\u51fa\u53f0\u5219\u5c06\u5168\u5e74\u7684\u8206\u8bba\u63a8\u5411\u4e86\u6700\u9ad8\u6f6e\u3002\u53e6\u5916\uff0c\u5173\u4e8eICP\u8bb8\u53ef\u8bc1\u548cEDI\u8bb8\u53ef\u8bc1\u7684\u731c\u6d4b\u4ee5\u53ca\u5176\u540e\u4fe1\u62ab\u6807\u51c6\u3001\u5907\u6848\u767b\u8bb0\u7ba1\u7406\u6307\u5f15\u7684\u9881\u5e03\u5219\u4f7f\u5f97P2P\u7f51\u8d37\u884c\u4e1a\u7684\u8206\u60c5\u70ed\u5ea6\u4e45\u9ad8\u4e0d\u4e0b\u3002<\/p>\n

3.3\u7f51\u8d37\u5e73\u53f0\u8206\u60c5\u5206\u6790<\/strong><\/p>\n

3.3.1\u7f51\u8d37\u5e73\u53f0\u66dd\u5149\u5ea6<\/strong><\/p>\n

P2P\u7f51\u8d37\u884c\u4e1a\u6b63\u5728\u88ab\u8d8a\u6765\u8d8a\u591a\u7684\u4eba\u6240\u719f\u77e5\uff0c\u8bb8\u591aP2P\u7f51\u8d37\u5e73\u53f0\u5a92\u4f53\u66dd\u5149\u5ea6\u63d0\u5347\u3002\u5bf9\u4e8eP2P\u7f51\u8d37\u5e73\u53f0\u800c\u8a00\uff0c\u66dd\u5149\u5ea6\u662f\u4e00\u9879\u4e0d\u5bb9\u5ffd\u89c6\u7684\u6307\u6807\u3002\u4e00\u65b9\u9762\uff0c\u5927\u91cf\u7684\u66dd\u5149\u53ef\u4ee5\u8ba9\u66f4\u591a\u7684\u6295\u8d44\u4eba\u548c\u6f5c\u5728\u6295\u8d44\u4eba\u4e86\u89e3\u5e73\u53f0\uff0c\u4f46\u53e6\u4e00\u65b9\u9762\uff0c\u8d1f\u9762\u8206\u60c5\u7684\u66dd\u5149\u4f1a\u5f15\u8d77\u6295\u8d44\u4eba\u7684\u6050\u614c\uff0c\u5bfc\u81f4\u96c6\u4e2d\u63d0\u73b0\uff0c\u6253\u7834\u5e73\u53f0\u8d44\u91d1\u7684\u6d41\u52a8\u6027\u5e73\u8861\uff0c\u8fdb\u800c\u5f71\u54cd\u5e73\u53f0\u7684\u6b63\u5e38\u8fd0\u8425\u3002\u5982\u679c\u5904\u7406\u4e0d\u5f53\uff0c\u8fd9\u751a\u81f3\u4f1a\u76f4\u63a5\u5bfc\u81f4\u5e73\u53f0\u88ab\u8feb\u505c\u4e1a\u3002<\/p>\n

3.3.2\u7f51\u8d37\u5e73\u53f0\u65b0\u5a92\u4f53\u8fd0\u8425<\/strong><\/p>\n

\u73b0\u5982\u4eca\uff0c\u65b0\u5a92\u4f53\u5728\u6211\u4eec\u6240\u5904\u7684\u4fe1\u606f\u793e\u4f1a\u4e2d\u626e\u6f14\u7740\u8d8a\u6765\u8d8a\u91cd\u8981\u7684\u89d2\u8272\u3002\u4e00\u65b9\u9762\uff0c3G\u30014G\u7f51\u7edc\u7684\u666e\u53ca\u3001\u65e0\u5904\u4e0d\u5728\u7684WiFi\u4ee5\u53ca\u79fb\u52a8\u7ec8\u7aef\u8d8a\u6765\u8d8a\u51fa\u8272\u7684\u4f7f\u7528\u4f53\u9a8c\uff0c\u4e3a\u65b0\u5a92\u4f53\u7684\u666e\u53ca\u548c\u53d1\u5c55\u63d0\u4f9b\u4e86\u65e0\u9650\u79cd\u53ef\u80fd\uff1b\u53e6\u4e00\u65b9\u9762\uff0c\u76f8\u8f83\u4e8e\u4f20\u7edf\u5a92\u4f53\uff0c\u5229\u7528\u65b0\u5a92\u4f53\u4f20\u64ad\u8206\u60c5\u66f4\u4e3a\u5feb\u6377\uff0c\u800c\u4e14\u65b0\u5a92\u4f53\u5bf9\u4e8e\u8206\u60c5\u7684\u5305\u88c5\u65b9\u5f0f\u66f4\u5177\u6709\u591a\u6837\u6027\uff0c\u66f4\u80fd\u6ee1\u8db3\u5f53\u4ee3\u793e\u4f1a\u4eba\u7fa4\u7684\u5b9a\u5236\u5316\u9700\u6c42\u3002<\/p>\n

3.4\u7f51\u8d37\u6295\u8d44\u4eba\u8206\u60c5\u5206\u6790<\/strong><\/p>\n

\u5bf9\u4e8e\u53c2\u4e0eP2P\u7f51\u8d37\u6d3b\u52a8\u7684\u6295\u8d44\u4eba\u800c\u8a00\uff0cP2P\u7f51\u8d37\u5e73\u53f0\u7684\u6295\u8d44\u4eba\u4ea4\u6d41\u7fa4\u4e00\u76f4\u4ee5\u6765\u90fd\u662f\u4ed6\u4eec\u5411\u5e73\u53f0\u53d1\u58f0\uff0c\u6216\u8005\u76f8\u4e92\u4e4b\u95f4\u4ea4\u6d41\u6295\u8d44\u7ecf\u9a8c\u548c\u4fe1\u606f\u7684\u91cd\u8981\u573a\u6240\u3002\u6b64\u5916\uff0c\u8fd9\u4e9b\u5b98\u65b9\u7684\u6295\u8d44\u4ebaQQ\u7fa4\uff0c\u4e5f\u662f\u5e73\u53f0\u5411\u5176\u6295\u8d44\u8005\u53d1\u5e03\u5404\u7c7b\u8425\u9500\u6d3b\u52a8\u4fe1\u606f\u7684\u91cd\u8981\u6e20\u9053\u4e4b\u4e00\u3002\u800c\u7531\u4e8e\u5e73\u53f0\u65e0\u6cd5\u63d0\u73b0\u3001\u9650\u5236\u63d0\u73b0\u751a\u81f3\u8dd1\u8def\u7b49\u6076\u6027\u4e8b\u4ef6\u65f6\u5e38\u53d1\u751f\uff0c\u5404\u7c7b\u7ef4\u6743\u7fa4\u4e5f\u4e0d\u65ad\u6d8c\u73b0\uff0c\u6210\u4e3a\u4e86\u6295\u8d44\u4eba\u8206\u60c5\u7684\u96c6\u4e2d\u5730\u3002<\/p>\n

\u53e6\u4e00\u65b9\u9762\uff0c\u5728\u4e00\u4e9bP2P\u7f51\u8d37\u7b2c\u4e09\u65b9\u7f51\u7ad9\u7684\u8bba\u575b\u91cc\uff0c\u4e5f\u6709\u5927\u91cf\u7684\u6d89\u53ca\u6295\u8d44\u4eba\u7684\u8206\u60c5\u3002\u5176\u4e2d\uff0c\u65e2\u6709\u6295\u8d44\u4eba\u5bf9\u4e8e\u7f51\u7edc\u501f\u8d37\u884c\u4e1a\u70ed\u70b9\u4e8b\u4ef6\u7684\u8bc4\u8bba\uff0c\u4e5f\u6709\u6295\u8d44\u4eba\u5bf9\u5404P2P\u7f51\u8d37\u5e73\u53f0\u7684\u8912\u8d2c\uff0c\u751a\u81f3\u8fd8\u6709\u6295\u8d44\u4eba\u5bf9\u4e00\u4e9b\u53ef\u80fd\u51fa\u73b0\u7684\u95ee\u9898\u5e73\u53f0\u7684\u66dd\u5149\u3002\u6839\u636e\u73b0\u6709\u7684\u8bba\u575b\u6570\u636e\u7edf\u8ba1\uff0c\u57282016\u5e74\u5168\u5e74\uff0c\u6295\u8d44\u4eba\u7d2f\u8ba1\u66dd\u5149\u63d0\u73b0\u56f0\u96be\u3001\u505c\u4e1a\u3001\u7ecf\u4fa6\u4ecb\u5165\u3001\u8dd1\u8def\u5e73\u53f0\u8d85\u8fc71000\u4e2a\u3002<\/p>\n

\u53e6\u5916\uff0c\u6295\u8d44\u4eba\u66dd\u5149\u7684\u8d1f\u9762\u8206\u60c5\u4e3b\u8981\u96c6\u4e2d\u5728\u63d0\u73b0\u56f0\u96be\u3001\u8dd1\u8def\u3001\u66b4\u96f7\u3001\u7f51\u7ad9\u6253\u4e0d\u5f00\u7b49\u95ee\u9898\u4e0a\u3002\u5176\u4e2d\u201c\u63d0\u73b0\u201d\u4e00\u8bcd\u5728\u8d1f\u9762\u8d34\u5b50\u4e2d\u8bcd\u9891\u6700\u9ad8\uff0c\u8fbe\u5230\u4e8632.09%\u3002\u7531\u6b64\u53ef\u89c1\uff0c\u63d0\u73b0\u56f0\u96be\u6216\u8005\u65e0\u6cd5\u63d0\u73b0\u5728\u8d1f\u9762\u4e8b\u4ef6\u4e2d\u6bd4\u8f83\u666e\u904d\uff0c\u800c\u4e14\u95ee\u9898\u5e73\u53f0\u7684\u6700\u521d\u8868\u73b0\u5f62\u5f0f\u5f80\u5f80\u5c31\u662f\u63d0\u73b0\u56f0\u96be\u751a\u81f3\u65e0\u6cd5\u63d0\u73b0\u3002\u56e0\u6b64\uff0cP2P\u7f51\u8d37\u5e73\u53f0\u5728\u672a\u51fa\u73b0\u6d41\u52a8\u6027\u95ee\u9898\u7684\u60c5\u51b5\u4e0b\uff0c\u5e94\u5c3d\u91cf\u907f\u514d\u51fa\u73b0\u63d0\u73b0\u95ee\u9898\u3002\u5e73\u53f0\u4e00\u65e6\u56e0\u63d0\u73b0\u95ee\u9898\u88ab\u6295\u8d44\u8005\u66dd\u5149\uff0c\u4f1a\u5927\u5927\u964d\u4f4e\u5176\u54c1\u724c\u5f62\u8c61\uff0c\u800c\u4e14\u6709\u53ef\u80fd\u5f15\u53d1\u6295\u8d44\u8005\u7684\u6050\u614c\u3002<\/p>\n

\u56db\u3001\u7f51\u7edc\u501f\u8d37\u5e73\u53f0\u53d1\u5c55\u6307\u6570\u8bc4\u7ea7<\/strong><\/p>\n

4.1\u7f51\u8d37\u5e73\u53f0\u53d1\u5c55\u6307\u6570\u8bc4\u7ea7\u7b80\u4ecb<\/strong><\/p>\n

\u7f51\u8d37\u5e73\u53f0\u53d1\u5c55\u6307\u6570\u8bc4\u7ea7\u662f\u6839\u636e\u516c\u5f00\u53ef\u67e5\u7684\u4fe1\u606f\u3001\u6570\u636e\uff0c\u4f9d\u636e\u4e00\u5957\u516c\u5f00\u900f\u660e\u7684\u6a21\u578b\uff0c\u8fdb\u884c\u91cf\u5316\u8ba1\u7b97\u5f97\u51fa\u7684\u7814\u7a76\u6210\u679c\u3002\u76ee\u524d\u8bc4\u7ea7\u6a21\u578b\u9009\u53d6\u53cd\u6620\u5e73\u53f0\u7efc\u5408\u5b9e\u529b\u548c\u53d1\u5c55\u6f5c\u529b\u76849\u4e2a\u7ef4\u5ea6\u2014\u2014\u6210\u4ea4\u3001\u4eba\u6c14\u3001\u6280\u672f\u3001\u6760\u6746\u3001\u6d41\u52a8\u6027\u3001\u5206\u6563\u5ea6\u3001\u900f\u660e\u5ea6\u3001\u54c1\u724c\u548c\u5408\u89c4\u6027\uff0c\u5229\u7528\u7ebf\u6027\u8bc4\u5206\u3001\u5206\u7ec4\u8bc4\u5206\u3001\u5c42\u6b21\u5206\u6790\u6cd5\u7b49\u529e\u6cd5\u8fdb\u884c\u8bc4\u5206\u3002\u53d1\u5c55\u6307\u6570\u8868\u5f81\u7684\u662f\u5e73\u53f0\u7684\u53ef\u6301\u7eed\u53d1\u5c55\u80fd\u529b\u3001\u5408\u89c4\u7a0b\u5ea6\uff0c\u4ee5\u53ca\u7528\u6237\u53cb\u597d\u5ea6\u7b49\u7efc\u5408\u5b9e\u529b\u3002\u8be5\u8bc4\u7ea7\u975e\u7f51\u8d37\u5e73\u53f0\u5b89\u5168\u6027\u8bc4\u7ea7\u3002\u6b64\u8bc4\u7ea7\u4ec5\u4f9b\u53c2\u8003\uff0c\u4e0d\u6784\u6210\u6295\u8d44\u5efa\u8bae\u3002<\/p>\n

4.2\u7f51\u8d37\u5e73\u53f0\u53d1\u5c55\u6307\u6570\u8bc4\u7ea7\u6307\u6807\u53d8\u5316<\/strong><\/p>\n

2016\u5e74\uff0c\u7f51\u8d37\u5e73\u53f0\u53d1\u5c55\u6307\u6570\u8bc4\u7ea7\u7d27\u8ddf\u884c\u4e1a\u53d1\u5c55\u8109\u7edc\uff0c\u5728\u6307\u6807\u7684\u9009\u53d6\u548c\u4f7f\u7528\u4e0a\u4e3b\u8981\u53d1\u751f\u4e86\u5982\u4e0b\u53d8\u5316\u3002<\/p>\n

\u7b2c\u4e00\uff0c\u4e25\u683c\u533a\u5206P2P\u7f51\u8d37\u5e73\u53f0\u548c\u7ebf\u4e0b\u7406\u8d22\u516c\u53f8\u3002\u5bf9\u6709\u7ebf\u4e0b\u7406\u8d22\u670d\u52a1\u7684\u5e73\u53f0\u8fdb\u884c\u51cf\u5206\u5904\u7406\u3002<\/p>\n

\u7b2c\u4e8c\uff0c\u9002\u65f6\u8c03\u6574\u8bc4\u7ea7\u5e93\u95e8\u69db\u3002<\/p>\n

\u7b2c\u4e09\uff0c\u5bf9\u5177\u4f53\u6307\u6807\u5185\u5bb9\u8fdb\u884c\u8c03\u6574\u3002<\/p>\n

\u7b2c\u56db\uff0c\u5bf9\u5404\u7ea7\u6307\u6807\u6743\u91cd\u8fdb\u884c\u8c03\u6574\u3002<\/p>\n

4.3 2016\u5e74\u7f51\u8d37\u5e73\u53f0\u53d1\u5c55\u6307\u6570\u8bc4\u7ea7\u62a5\u544a<\/strong><\/p>\n

2016\u5e74\u5ea6\u7f51\u8d37\u5e73\u53f0\u53d1\u5c55\u6307\u6570\u8bc4\u7ea7\u767e\u5f3a\u699c\u662f\u57fa\u4e8e2016\u5e7412\u6708\u7684\u53d1\u5c55\u6307\u6570\u8bc4\u7ea7\u7ed3\u679c\uff0c\u5e76\u7528\u5168\u5e74\u7684\u6210\u4ea4\u548c\u4eba\u6c14\u6570\u636e\u66f4\u65b0\u6210\u4ea4\u79ef\u5206\u548c\u4eba\u6c14\u79ef\u5206\u5f97\u51fa\u7684\u7efc\u5408\u5e74\u5ea6\u6392\u884c\u699c\uff0c\u9664\u6210\u4ea4\u79ef\u5206\u548c\u4eba\u6c14\u79ef\u5206\u4ee5\u5916\uff0c\u5176\u5b83\u4e03\u4e2a\u4e00\u7ea7\u6307\u6807\u4e0e12\u6708\u53d1\u5c55\u8bc4\u7ea7\u5f97\u5206\u4e00\u81f4\u3002\u5177\u4f53\u6570\u636e\u4f7f\u7528\u65b9\u5f0f\u4e3a\uff0c\u6210\u4ea4\u79ef\u5206\u91c7\u7528\u5e73\u53f0\u7684\u5168\u5e7412\u4e2a\u6708\u5404\u6708\u6210\u4ea4\u91cf\u7684\u7b97\u6570\u5e73\u5747\uff0c\u4eba\u6c14\u79ef\u5206\u91c7\u7528\u5e73\u53f0\u7684\u5168\u5e7412\u4e2a\u6708\u7684\u5404\u6708\u53bb\u91cd\u6295\u8d44\u4eba\u6570\u7684\u7b97\u6570\u5e73\u5747\u4e0e\u5168\u5e7412\u4e2a\u6708\u7684\u5404\u6708\u53bb\u91cd\u5e76\u5254\u9664\u503a\u6743\u8f6c\u8ba9\u7684\u501f\u6b3e\u4eba\u6570\u7684\u7b97\u6570\u5e73\u5747\u3002\u5176\u4ed6\u79ef\u5206\u4e0e12\u6708\u7684\u7f51\u8d37\u5e73\u53f0\u53d1\u5c55\u6307\u6570\u8bc4\u7ea7\u4e00\u81f4\u3002\uff08\u7531\u4e8e\u6a21\u578b\u91c7\u7528\u7684\u662f12\u6708\u6700\u65b0\u7684\u8bc4\u7ea7\u6a21\u578b\uff0c\u6240\u4ee5\u5e73\u53f0\u7684\u6210\u4ea4\u79ef\u5206\u548c\u4eba\u6c14\u79ef\u5206\u666e\u904d\u4f1a\u8f8312\u6708\u8bc4\u7ea7\u5f97\u5206\u4f4e\u4e00\u4e9b\uff09<\/p>\n

4.4\u5e74\u5ea6\u767e\u5f3a\u699c\u70b9\u8bc4<\/strong><\/p>\n

2016\u5e74\uff0c\u767e\u5f3a\u699c\u548c\u4e0a\u699c\u5e73\u53f0\u7684\u53d8\u5316\u4e3b\u8981\u4f53\u73b0\u5728\u4ee5\u4e0b\u51e0\u4e2a\u65b9\u9762\u3002<\/p>\n

\u7b2c\u4e00\uff0c\u5728\u5408\u89c4\u79ef\u5206\u548c\u900f\u660e\u5ea6\u79ef\u5206\u4e0a\uff0c2016\u5e74\u7684\u767e\u5f3a\u699c\u5e73\u53f0\u5728\u91cd\u65b0\u68b3\u7406\u8d44\u4ea7\u7aef\u3001\u5b9e\u73b0\u5ba2\u6237\u8d44\u91d1\u7684\u94f6\u884c\u76f4\u63a5\u5b58\u7ba1\u548c\u52a0\u5f3a\u4fe1\u606f\u62ab\u9732\u4e0a\u7740\u529b\u9887\u6df1\u3002\u4e3a\u4e86\u5e94\u5bf9e\u79df\u5b9d\u4e8b\u4ef6\u540e\u884c\u4e1a\u53d8\u5316\uff0c\u9f13\u52b1\u7eaf\u7ebf\u4e0a\u83b7\u5ba2\u7684P2P\u7f51\u8d37\u5e73\u53f0\uff0c\u7f51\u8d37\u5e73\u53f0\u53d1\u5c55\u6307\u6570\u8bc4\u7ea7\u7279\u522b\u8003\u8651\u4e86P2P\u7f51\u8d37\u5e73\u53f0\u7ebf\u4e0b\u7406\u8d22\u4e1a\u52a1\u7684\u5360\u6bd4\u60c5\u51b5\uff0c\u5e76\u8fdb\u884c\u4e86\u76f8\u5e94\u7684\u51cf\u5206\u3002\u6b64\u5916\uff0c\u6574\u4e2a2016\u5e74\uff0c\u59a5\u5584\u5e94\u5bf9\u8d44\u4ea7\u8352\u548c\u5316\u89e3\u5927\u6807\u96be\u9898\u662f\u767e\u5f3a\u699c\u5e73\u53f0\u4e00\u76f4\u575a\u6301\u4e0d\u61c8\u7684\u65b9\u5411\u3002\u51e0\u4e4e\u6bcf\u4e2a\u6708\u90fd\u6709\u767e\u5f3a\u699c\u5e73\u53f0\u5ba3\u5e03\u4e0e\u5b9e\u4f53\u4f01\u4e1a\u8fdb\u884c\u4e86\u6218\u7565\u5408\u4f5c\u6216\u8005\u5408\u5e76\u6709\u4f18\u8d28\u8d44\u4ea7\u7684\u5e73\u53f0\u7b49\u4e8b\u4ef6\uff0c\u8d44\u4ea7\u6765\u6e90\u6d89\u53ca\u4e09\u519c\u4f01\u4e1a\u3001\u4f18\u8d28\u4f9b\u5e94\u94fe\u6838\u5fc3\u4f01\u4e1a\u3001\u6d88\u8d39\u91d1\u878d\u516c\u53f8\u7b49\u7b49\uff0c\u901a\u8fc7\u8fd9\u4e9b\u5408\u4f5c\u6765\u5e2e\u52a9\u5e73\u53f0\u7a81\u7834\u4f18\u8d28\u8d44\u4ea7\u7f3a\u4e4f\u7684\u74f6\u9888\u3002\u6700\u540e\uff0c\u4fe1\u606f\u62ab\u9732\u4f5c\u4e3a\u4e92\u8054\u7f51\u4fe1\u606f\u4e2d\u4ecb\u7684\u4e00\u4e2a\u91cd\u8981\u804c\u80fd\uff0c\u8d8a\u6765\u8d8a\u53d7\u5230\u767e\u5f3a\u699c\u5e73\u53f0\u7684\u91cd\u89c6\u3002\u622a\u81f32016\u5e74\u5e95\uff0c\u6709\u4e00\u534a\u4ee5\u4e0a\u7684\u767e\u5f3a\u699c\u5e73\u53f0\u4e13\u95e8\u5f00\u8f9f\u4e86\u4fe1\u606f\u62ab\u9732\u7684\u9891\u9053\uff0c\u6709\u4e24\u6210\u4ee5\u4e0a\u7684\u767e\u5f3a\u699c\u5e73\u53f0\u5b9e\u73b0\u4e86\u5ba2\u6237\u8d44\u91d1\u7684\u94f6\u884c\u76f4\u63a5\u5b58\u7ba1\u4e1a\u52a1\uff0c\u8fd9\u4e2a\u6bd4\u4f8b\u8fdc\u9ad8\u4e8e\u884c\u4e1a\u7684\u5e73\u5747\u6c34\u5e73\u3002\u8fd9\u4e9b\u4e3b\u52a8\u5408\u89c4\u7684\u6210\u679c\uff0c\u5c55\u73b0\u4e86\u884c\u4e1a\u9886\u5148\u7684\u7f51\u8d37\u5e73\u53f0\u89c4\u8303\u5316\u4e0e\u53ef\u6301\u7eed\u53d1\u5c55\u7684\u5f3a\u70c8\u610f\u613f\uff0c\u5408\u89c4\u4e0e\u900f\u660e\u6210\u4e3a\u4e86\u8fd9\u4e00\u5e74\u5ea6\u7684\u4eae\u70b9\u3002<\/p>\n

\u7b2c\u4e8c\uff0c\u6210\u4ea4\u79ef\u5206\u548c\u4eba\u6c14\u79ef\u5206\u4e0a\uff0c\u7531\u4e8e\u4f18\u8d28\u8d44\u4ea7\u7aef\u7684\u5f00\u53d1\u56f0\u96be\u548c\u6210\u4ea4\u4e0e\u4eba\u6c14\u7684\u57fa\u6570\u8f83\u5927\u7684\u5f71\u54cd\uff0c\u767e\u5f3a\u699c\u5e73\u53f0\u57282016\u5e74\u7684\u6210\u4ea4\u91cf\u548c\u6295\u8d44\u4eba\u6570\u7684\u5e74\u5ea6\u589e\u901f\u666e\u904d\u4f4e\u4e8e\u4e0a\u5e74\u7684\u6c34\u5e73\uff0c\u800c\u4e14\u7531\u4e8e\u7f51\u8d37\u5e73\u53f0\u53d1\u5c55\u6307\u6570\u8bc4\u7ea7\u66f4\u52a0\u91cd\u89c6\u539f\u59cb\u6807\uff08\u6392\u9664\u51c0\u503c\u79d2\u6807\u3001\u503a\u6743\u8f6c\u8ba9\u6807\u7b49\u5e73\u53f0\u5185\u90e8\u4ea7\u751f\u7684\u6807\u7684\uff09\u7684\u5b9e\u9645\u6210\u4ea4\u91cf\uff0c\u90e8\u5206\u5e73\u53f0\u7684\u6210\u4ea4\u79ef\u5206\u4f1a\u56e0\u4e3a\u539f\u59cb\u6807\u5360\u6bd4\u76f8\u5bf9\u8f83\u4f4e\u800c\u51fa\u73b0\u6392\u540d\u4e0b\u964d\u3002<\/p>\n

\u7b2c\u4e09\uff0c\u5728\u6280\u672f\u79ef\u5206\u548c\u54c1\u724c\u79ef\u5206\u4e0a\uff0c\u6211\u56fd\u516c\u5b89\u90e8\u4fe1\u606f\u5b89\u5168\u7b49\u7ea7\u7b2c\u4e09\u7ea7\u8ba4\u8bc1\u7531\u4e8e\u8981\u6c42\u4e25\u683c\u548c\u76f8\u5bf9\u6743\u5a01\uff0c\u83b7\u5f97\u4e86\u5f88\u591a\u5927\u4e2d\u5e73\u53f0\u7684\u9752\u7750\uff0c\u76ee\u524d\u767e\u5f3a\u699c\u5e73\u53f0\u5df2\u7ecf\u6709\u4e00\u6210\u4ee5\u4e0a\u7684\u5e73\u53f0\u83b7\u5f97\u4e86\u8be5\u9879\u8ba4\u8bc1\u3002\u53e6\u5916\uff0c2016\u5e74\u7684\u54c1\u724c\u5ba3\u4f20\u66f4\u52a0\u7a81\u51fa\u6b63\u80fd\u91cf\uff0c\u826f\u6027\u9000\u51fa\u6781\u5927\u5730\u6539\u5584\u4e86\u884c\u4e1a\u7684\u5f62\u8c61\u3002<\/p>\n

\u7b2c\u56db\uff0c\u5728\u5206\u6563\u5ea6\u79ef\u5206\u3001\u6d41\u52a8\u6027\u79ef\u5206\u548c\u6760\u6746\u79ef\u5206\u4e0a\uff0c2016\u5e74\u7684\u767e\u5f3a\u699c\u5e73\u53f0\u663e\u793a\u51fa\u5206\u6563\u5ea6\u63d0\u5347\u3001\u6d41\u52a8\u6027\u4e0b\u964d\u3001\u90e8\u5206\u6760\u6746\u79ef\u5206\u56de\u5347\u7684\u8d8b\u52bf\u3002\u9996\u5148\uff0c\u4ece2016\u5e74\u4e0b<\/p>\n

\u534a\u5e74\u5f00\u59cb\uff0c\u767e\u5f3a\u699c\u5e73\u53f0\u666e\u904d\u5206\u6563\u5ea6\u5927\u5e45\u63d0\u5347\u30028.24\u7684\u201c\u9650\u989d\u4ee4\u201d[1]\u51fa\u53f0\u540e\uff0c\u52a0\u5feb\u4e86\u767e\u5f3a\u699c\u5e73\u53f0\u7684\u8d44\u4ea7\u7aef\u5c0f\u989d\u5206\u6563\u5316\u7684\u8d8b\u52bf\u3002\u5176\u6b21\uff0c2016\u5e74\uff0c\u767e\u5f3a\u699c\u5e73\u53f0\u666e\u904d\u6d41\u52a8\u6027\u5c0f\u5e45\u4e0b\u964d\u3002\u7531\u4e8e2016\u5e74\u5168\u884c\u4e1a\u51fa\u73b0\u6536\u76ca\u7387\u964d\u4f4e\u3001\u5e73\u5747\u671f\u9650\u5347\u9ad8\u7684\u73b0\u8c61\uff0c\u5e26\u52a8\u4e86\u4e45\u671f\u7684\u4e0a\u5347\uff0c\u53e6\u5916\uff0c\u7531\u4e8e\u94f6\u884c\u8d44\u91d1\u76f4\u63a5\u5b58\u7ba1\u7684\u52a0\u5165\u548c\u7981\u6b62\u8d44\u91d1\u6c60\u7684\u7ea2\u7ebf\uff0c\u4f7f\u5f97\u8fc7\u53bb\u201cT+0\u201d\u7684\u5e73\u53f0\u63d0\u73b0\u670d\u52a1\u53d8\u5f97\u96be\u4ee5\u5b9e\u73b0\uff0c\u4ee5\u4e0a\u90fd\u4f7f\u5f97\u6d41\u52a8\u6027\u79ef\u5206\u51fa\u73b0\u5c0f\u5e45\u4e0b\u964d\u3002\u6700\u540e\uff0c2016\u5e74\uff0c\u90e8\u5206\u767e\u5f3a\u699c\u5e73\u53f0\u7684\u6760\u6746\u79ef\u5206\u51fa\u73b0\u56de\u5347\u3002\u5728\u7981\u6b62\u201c\u76f4\u63a5\u6216\u53d8\u76f8\u5411\u51fa\u501f\u4eba\u63d0\u4f9b\u62c5\u4fdd\u6216\u8005\u627f\u8bfa\u4fdd\u672c\u4fdd\u606f\u201d\u7684\u6761\u4f8b\u4e0b\uff0c\u4f5c\u4e3a\u4fe1\u606f\u4e2d\u4ecb\u7684\u5e73\u53f0\u672c\u8eab\u65e0\u6cd5\u4fdd\u969c\u6295\u8d44\u4eba\u7684\u8d44\u91d1\u7edd\u5bf9\u5b89\u5168\uff0c\u6240\u4ee5\u901a\u8fc7\u80a1\u4e1c\u589e\u52a0\u5b9e\u7f34\uff0c\u589e\u52a0\u98ce\u9669\u51c6\u5907\u91d1\u6216\u8005\u8d28\u4fdd\u670d\u52a1\u4e13\u6b3e\u7b49\u5f62\u5f0f\uff0c\u5bf9\u4e8e\u90e8\u5206\u6807\u7684\uff0c\u7ed9\u4e88\u4e00\u5b9a\u7a0b\u5ea6\u4e0a\u7684\u98ce\u9669\u8865\u507f\uff0c\u6210\u4e3a\u4e862016\u5e74\u5ea6\u7684\u4e00\u4e2a\u4eae\u70b9\u3002\u76ee\u524d\uff0c\u767e\u5f3a\u699c\u4e2d\u5de5\u5546\u4fe1\u606f\u53ef\u67e5\u5b9e\u7f34\u8d44\u672c\u8d85\u8fc71\u4ebf\u5143\u7684\u5e73\u53f0\u6570\u5360\u6bd4\u8fd1\u4e09\u6210\uff0c\u98ce\u9669\u51c6\u5907\u91d1\u6216\u8005\u8d28\u4fdd\u670d\u52a1\u4e13\u6b3e\u8d85\u8fc71\u4ebf\u5143\u7684\u5360\u6bd4\u8fbe\u5230\u4e00\u6210\u3002<\/p>\n

\u7f51\u8d37\u5e73\u53f0\u53d1\u5c55\u6307\u6570\u8bc4\u7ea7\u5c06\u4f1a\u7d27\u8ddf\u884c\u4e1a\u53d1\u5c55\u60c5\u51b5\uff0c\u9002\u65f6\u589e\u52a0\u5e73\u53f0\u91d1\u878d\u5c5e\u6027\u7684\u6307\u6807\u7ef4\u5ea6\u548c\u79ef\u5206\u6743\u91cd\u3002<\/p>\n

\u4e94\u3001\u7f51\u7edc\u501f\u8d37\u884c\u4e1a\u524d\u77bb<\/strong><\/p>\n

5.1\u7f51\u8d37\u884c\u4e1a\u653f\u5e9c\u76d1\u7ba1<\/strong><\/p>\n

2016\u5e74\u91cd\u78c5\u76d1\u7ba1\u6587\u4ef6\u9646\u7eed\u51fa\u53f0\uff0c\u5c24\u5176\u662f8\u6708\u4efd\u51fa\u53f0\u7684\u300a\u7f51\u7edc\u501f\u8d37\u4fe1\u606f\u4e2d\u4ecb\u673a\u6784\u4e1a\u52a1\u6d3b\u52a8\u7ba1\u7406\u6682\u884c\u529e\u6cd5\u300b\u7684\u53d1\u5e03\u66f4\u662f\u786e\u7acb\u4e86P2P\u7f51\u8d37\u7684\u5408\u6cd5\u5730\u4f4d\uff0c\u968f\u540e\u4e0e\u76d1\u7ba1\u7ec6\u5219\u914d\u5957\u7684\u76d1\u7ba1\u529e\u6cd5\u4e5f\u76f8\u7ee7\u51fa\u53f0\uff0c\u4f8b\u5982\u8d44\u91d1\u5b58\u7ba1\uff08\u5f81\u6c42\u610f\u89c1\u7a3f\uff09\u3001\u5907\u6848\u6307\u5f15\u7b49\u7b49\u3002\u6b64\u5916\uff0c\u56fd\u52a1\u9662\u7ec4\u7ec714\u90e8\u59d4\u5728\u5168\u56fd\u8303\u56f4\u5185\u5bf9P2P\u7f51\u8d37\u884c\u4e1a\u5728\u5185\u7684\u4e92\u8054\u7f51\u91d1\u878d\u884c\u4e1a\u8fdb\u884c\u4e13\u9879\u6574\u6cbb\u3002\u968f\u7740\u76d1\u7ba1\u653f\u7b56\u9010\u6b65\u843d\u5730\u4ee5\u53ca\u4e13\u9879\u6574\u6cbb\u5de5\u4f5c\u7684\u5f00\u5c55\uff0c\u5408\u89c4\u6027\u8c03\u6574\u5c06\u4f1a\u6210\u4e3a\u672a\u6765\u4e00\u6bb5\u65f6\u95f4\u884c\u4e1a\u7684\u4e3b\u65cb\u5f8b\u3002<\/p>\n

\u4ece2015\u5e74\u5f00\u59cb\u5404\u5730\u533a\u5df2\u7ecf\u5f00\u59cb\u5bf9P2P\u7f51\u8d37\u5e73\u53f0\u8fd0\u8425\u89c4\u8303\u63d0\u51fa\u4e86\u8981\u6c42\uff0c2016\u5e74\u5404\u5730\u533a\u5bf9P2P\u7f51\u8d37\u5e73\u53f0\u7684\u76d1\u7ba1\u8981\u6c42\u8fdb\u4e00\u6b65\u6536\u7d27\uff0c\u4e0a\u6d77\u5e02\u3001\u5317\u4eac\u5e02\u3001\u5e7f\u4e1c\u7701\u7b49P2P\u7f51\u8d37\u5e73\u53f0\u805a\u96c6\u7684\u5730\u533a\uff0c\u5148\u540e\u51fa\u53f0\u4e86\u76f8\u5e94\u7684\u76d1\u7ba1\u653f\u7b56\u3002<\/p>\n

5.2\u56fd\u5916\u7f51\u8d37\u5e73\u53f0\u53d1\u5c55\u60c5\u51b5\u53ca\u8d8b\u52bf<\/strong><\/p>\n

2016\u5e74\uff0c\u56fd\u5916\u7f51\u8d37\u5e73\u53f0\u5728\u5916\u90e8\u5408\u4f5c\u3001\u5f00\u62d3\u8d44\u91d1\u7aef\u3001\u6e17\u900f\u4f20\u7edf\u91d1\u878d\u4e1a\u52a1\u7b49\u65b9\u9762\u90fd\u6709\u8fdb\u6b65\uff0c\u5c55\u73b0\u51fa\u7a33\u6b65\u53d1\u5c55\u548c\u5408\u4f5c\u5171\u8d62\u7684\u8d8b\u52bf\u3002<\/p>\n

\u9996\u5148\uff0c\u56fd\u5916\u7f51\u8d37\u5e73\u53f0\u4ee5\u201c\u5408\u4f5c\u201d\u4e3a\u6838\u5fc3\uff0c\u5448\u73b0\u51fa\u4e0e\u4f20\u7edf\u91d1\u878d\u76f8\u878d\u5408\u3001\u4e92\u8865\u53d1\u5c55\u7684\u8d8b\u52bf\uff0c\u540c\u65f6\uff0c\u4e5f\u5c55\u5f00\u4e86\u548c\u975e\u91d1\u878d\u673a\u6784\u7684\u5408\u4f5c\u3002\u4e3b\u8981\u8868\u73b0\u5728\u4ee5\u4e0b\u56db\u70b9\uff1a<\/p>\n

\u7b2c\u4e00\uff0c\u56fd\u5916\u7f51\u8d37\u5e73\u53f0\u3001Fintech\uff08\u91d1\u878d\u79d1\u6280\uff09\u516c\u53f8\u4e0e\u4f20\u7edf\u91d1\u878d\u673a\u6784\u5408\u4f5c\u66f4\u52a0\u7d27\u5bc6\u3002\u6bd4\u5982\uff0c\u82f1\u56fd\u653f\u5e9c\u901a\u8fc7\u4e86\u65b0\u7684\u94f6\u884c\u4e1a\u52a1\u8f6c\u4ecb\u8ba1\u5212\uff0c\u6765\u5e2e\u52a9P2P\u7f51\u8d37\u5e73\u53f0\u53d6\u5f97\u66f4\u591a\u5546\u4e1a\u8d37\u6b3e\u4e1a\u52a1\u3002\u518d\u5982\uff0cSoFi\uff08SocialFinance\uff09\u5e73\u53f0\u4e0e\u7f8e\u56fd\u6700\u5927\u7684\u4f4f\u623f\u62b5\u62bc\u8d37\u6b3e\u673a\u6784\u4e4b\u4e00\u7684\u623f\u5229\u7f8e\uff08FannieMae\uff09\u8fbe\u6210\u5408\u4f5c\uff0c\u5c06\u5141\u8bb8\u501f\u6b3e\u4eba\u5229\u7528\u81ea\u5df1\u7684\u623f\u5730\u4ea7\u6743\u76ca\u6765\u83b7\u5f97\u6bd4\u73b0\u91d1\u652f\u4ed8\u66f4\u4f18\u60e0\u7684\u5b66\u751f\u8d37\u6b3e\u518d\u878d\u8d44\u670d\u52a1\u3002<\/p>\n

\u7b2c\u4e8c\uff0c\u4f20\u7edf\u91d1\u878d\u673a\u6784\u66f4\u52a0\u4e3b\u52a8\uff0c\u63a5\u53d7\u4e92\u8054\u7f51\u91d1\u878d\u4e1a\u52a1\u4ee5\u53ca\u4e0e\u4e92\u91d1\u5e73\u53f0\u7684\u5408\u4f5c\u673a\u4f1a\u30022016\u5e7410\u6708\uff0c\u9ad8\u76db\u6210\u4e3a\u7f8e\u56fd\u7b2c\u4e00\u5bb6\u76f4\u63a5\u72ec\u7acb\u5f00\u5c55\u4e92\u91d1\u4e1a\u52a1\u7684\u6295\u884c\uff0c\u9ad8\u76db\u5f00\u8bbe\u7684P2P\u7f51\u8d37\u5e73\u53f0Marcus\u6b63\u5f0f\u4e0a\u7ebf\uff0c\u800c\u4e14\u4e3b\u6253\u65e0\u624b\u7eed\u8d39\uff08\u5305\u62ec\u501f\u6b3e\u670d\u52a1\u8d39\u3001\u63d0\u524d\u8fd8\u6b3e\u7f5a\u606f\u6216\u8005\u6ede\u7eb3\u91d1\uff09\uff0cMarcus\u5c06\u4f9d\u9760\u501f\u8d37\u7684\u606f\u5dee\u6765\u76c8\u5229\uff0c\u6700\u9ad8\u63d0\u4f9b3\u4e07\u7f8e\u5143\u7684\u8d37\u6b3e\u3002\u6b64\u5916\uff0c\u6839\u636eManatt,Phelps&Phillips,LLP\u516c\u53f8\u5bf975\u4f4d\u6765\u81ea\u94f6\u884c\u3001Fintech\u548c\u79c1\u52df\u80a1\u6743\u6295\u8d44\u7684\u9ad8\u7ba1\u7684\u8c03\u67e5\u62a5\u544a\u663e\u793a\uff0c\u533a\u57df\u6027\u94f6\u884c\u975e\u5e38\u613f\u610f\u4e0eFintech\u516c\u53f8\u5408\u4f5c\uff0c86%\u7684\u533a\u57df\u6027\u94f6\u884c\u7684\u53d7\u8bbf\u8005\u8ba4\u4e3a\uff0c\u901a\u8fc7\u4e0eFintech\u516c\u53f8\u5408\u4f5c\u6765\u53d6\u5f97\u6210\u529f\u662f\u975e\u5e38\u5fc5\u8981\u6216\u8005\u5f88\u91cd\u8981\u3002\u5bf9\u4e8e\u8fd9\u4e9b\u94f6\u884c\u6765\u8bf4\uff0c\u4ed6\u4eec\u80fd\u591f\u83b7\u5f97\u79fb\u52a8\u4e1a\u52a1\u80fd\u529b\u548c\u964d\u4f4e\u6210\u672c\u7684\u597d\u5904\uff0c\u800cFintech\u516c\u53f8\u53ef\u4ee5\u83b7\u5f97\u54c1\u724c\u63d0\u5347\uff0c\u4ece\u800c\u5f62\u6210\u4e86\u53cc\u8d62\u7684\u5c40\u9762\u3002<\/p>\n

\u7b2c\u4e09\uff0c\u7f51\u8d37\u5e73\u53f0\u52a0\u5feb\u6e17\u900f\u4f20\u7edf\u91d1\u878d\u4e1a\u52a1\u3002\u6bd4\u5982\uff0c\u4ee5\u5b66\u751f\u8d37\u6b3e\u8d77\u5bb6\u7684SoFi\uff08SocialFinance\uff09\u5e73\u53f0\u83b7\u5f97\u4e86\u4fdd\u9669\u4ee3\u9500\u724c\u7167\uff0c\u52a0\u4e0a\u8be5\u5e73\u53f0\u5df2\u7ecf\u6709\u7684\u5b66\u751f\u8d37\u6b3e\u3001\u4e2a\u4eba\u4fe1\u8d37\uff0c\u4ee5\u53ca\u62b5\u62bc\u8d37\u6b3e\u7b49\u4ea7\u54c1\uff0c\u9010\u6b65\u4e30\u5bcc\u4e86\u8d22\u5bcc\u7ba1\u7406\u7684\u54c1\u7c7b\u3002SoFi\u6b63\u5728\u5229\u7528\u5df2\u6709\u7684\u4eba\u6c14\uff0c\u5b9e\u73b0\u4ea4\u53c9\u9500\u552e\uff0c\u6700\u7ec8\u8f6c\u578b\u6210\u201c\u4e00\u7ad9\u5f0f\u201d\u4e2a\u4eba\u91d1\u878d\u4ea7\u54c1\u8d85\u5e02\u3002\u53e6\u5916\uff0c\u503c\u5f97\u4e00\u63d0\u7684\u662f\uff0c\u4e92\u91d1\u5e73\u53f0\u7684\u6297\u98ce\u9669\u80fd\u529b\u4e5f\u6b63\u5728\u83b7\u5f97\u5916\u90e8\u7684\u8ba4\u540c\u3002\u82f1\u56fd\u8457\u540d\u7f51\u8d37\u5e73\u53f0FundingCircle\u901a\u8fc7\u4e86\u9488\u5bf9\u82f1\u56fd\u5927\u578b\u94f6\u884c\u6700\u4e25\u82db\u7684\u538b\u529b\u6d4b\u8bd5\uff08\u90e8\u5206\u9488\u5bf9\u4e8e\u82f1\u56fd\u9000\u6b27\u7684\u98ce\u9669\uff09\u2014\u2014\u82f1\u56fd\u5ba1\u614e\u76d1\u7ba1\u5c402016\u5e74\u538b\u529b\u60c5\u666f\uff08ThePrudentialRegulationAuthority\u2019s2016stressscenario\uff09\uff0c\u800c\u82cf\u683c\u5170\u7687\u5bb6\u94f6\u884c\u5374\u6ca1\u6709\u901a\u8fc7\u3002<\/p>\n

\u7b2c\u56db\uff0c\u7f51\u8d37\u5e73\u53f0\u4e0e\u975e\u91d1\u878d\u673a\u6784\u7684\u5408\u4f5c\u9010\u6b65\u52a0\u5f3a\u3002LendingClub\u4e0e\u7f8e\u56fd\u8054\u5408\u822a\u7a7a\u516c\u53f8\uff08UnitedAirlines\uff09\u3001Zopa\u4e0e\u4e92\u8054\u7f51\u8ba2\u623f\u5e73\u53f0Airbnb\u7b49\uff0c\u5206\u522b\u5728\u65b0\u5ba2\u6237\u5f00\u62d3\u3001\u65b0\u578b\u8d37\u6b3e\u7b49\u65b9\u9762\u5c55\u5f00\u5408\u4f5c\u3002<\/p>\n

\u5176\u6b21\uff0c\u56fd\u5916\u7684\u7f51\u8d37\u5e73\u53f0\u4e0d\u65ad\u901a\u8fc7\u53d1\u884c\u8d44\u4ea7\u8bc1\u5238\u5316\u4ea7\u54c1\u6765\u83b7\u5f97\u65b0\u7684\u8d44\u91d1\u6765\u6e90\u3002\u6bd4\u5982\uff0cCommonBond\u5b8c\u6210\u4e861.68\u4ebf\u7f8e\u5143\u7684\u5b66\u751f\u8d37\u6b3e\u518d\u878d\u8d44\u7684\u8d44\u4ea7\u8bc1\u5238\u5316\uff0c\u6700\u9ad8\u83b7\u5f97\u7a46\u8feaA1\u8bc4\u7ea7\u548cDBRS\uff08\u52a0\u62ff\u5927\u4fe1\u7528\u8bc4\u7ea7\u516c\u53f8\uff09AA(low)\u7684\u8bc4\u7ea7\uff0c\u8fd9\u662f\u8be5\u5e73\u53f0\u7684\u7b2c\u4e09\u6b21\u8d44\u4ea7\u8bc1\u5238\u5316\u4e1a\u52a1\u3002\u5728\u82f1\u56fd\uff0cFundingCircle\u5b8c\u6210\u4e86\u7b2c\u4e00\u7b14\u672c\u56fd\u7684\u7f51\u8d37\u5e73\u53f0\u8d44\u4ea7\u8bc1\u5238\u5316\u4e1a\u52a1\uff0c\u552e\u51fa\u4e861.3\u4ebf\u82f1\u9551\u7684\u8d44\u4ea7\u8bc1\u5238\u5316\u4ea7\u54c1\uff0c\u6700\u9ad8\u83b7\u5f97\u7a46\u8feaAa3\u8bc4\u7ea7\uff0c\u968f\u540eZopa\u5b8c\u62101.38\u4ebf\u82f1\u9551\u7684\u8d44\u4ea7\u8bc1\u5238\u5316\u4ea7\u54c1\uff0c\u540c\u6837\u83b7\u5f97\u7a46\u8feaAa3\u8bc4\u7ea7\u3002<\/p>\n

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\u4f46\u662f\uff0c2016\u5e74\u56fd\u5916\u7684\u7f51\u8d37\u5e73\u53f0\u4e5f\u5e76\u4e0d\u4e00\u5e06\u98ce\u987a\uff0c\u4eba\u5458\u548c\u4ea7\u54c1\u7ed3\u6784\u90fd\u6709\u4e00\u5b9a\u8c03\u6574\u3002\u9996\u5148\uff0c5\u67089\u65e5\uff0c\u4e16\u754c\u7b2c\u4e00\u5bb6\u4e3b\u677f\u4e0a\u5e02\u7684P2P\u7f51\u8d37\u5e73\u53f0LendingClub\u7531\u4e8e\u5728\u5185\u90e8\u8bc4\u4f30\u4e2d\u53d1\u73b02200\u4e07\u7f8e\u5143\u8d37\u6b3e\u8fdd\u89c4\u51fa\u552e\uff0c\u5bfc\u81f4\u5176\u8054\u5408\u521b\u59cb\u4eba\u3001\u9996\u5e2d\u6267\u884c\u5b98RenaudLaplanche\u8f9e\u804c\uff0c\u5e76\u4f7f\u516c\u53f8\u80a1\u4ef7\u5728\u5468\u4e00\u72c2\u8dcc\u8fd135%\u3002\u8be5\u4e8b\u4ef6\u65e0\u5f02\u4e8e\u7f8e\u56fd\u7f51\u8d37\u884c\u4e1a\u7684\u5730\u9707\uff0c\u7531\u4e8e\u7f8e\u56fd\u5e76\u6ca1\u6709\u51fa\u73b0\u8fc7\u201c\u8dd1\u8def\u201d\u7b49\u6076\u6027\u4e8b\u4ef6\uff0c\u8fd9\u6b21\u8fdd\u89c4\u8d37\u6b3e\u51fa\u552e\u4ee5\u53ca\u516c\u53f8\u521b\u59cb\u4eba\u7684\u8f9e\u804c\u663e\u793a\u51fa\u7f8e\u56fd\u653f\u5e9c\u5bf9\u7f51\u8d37\u884c\u4e1a\u76d1\u7ba1\u7684\u4e25\u683c\u3002\u5176\u6b21\uff0c10\u670827\u65e5\uff0c\u7f8e\u56fd\u53e6\u4e00\u5bb6\u5927\u578bP2P\u5e73\u53f0Prosper\u5173\u95ed\u4e86\u5176\u503a\u6743\u8f6c\u8ba9\u5e02\u573a\uff08secondarymarket\uff09\uff0c\u539f\u56e0\u662f\u5f88\u5c11\u6709\u6295\u8d44\u4eba\u4f7f\u7528\u8be5\u9879\u670d\u52a1\u3002\u6700\u540e\uff0c\u7531\u4e8e\u7f8e\u56fd\u7f51\u8d37\u8d44\u4ea7\u7684\u8d28\u91cf\u53d7\u5230\u8d28\u7591\uff0c\u800c\u4e14\u673a\u6784\u8d44\u91d1\u5360\u6bd4\u8f83\u9ad8\uff0c2016\u5e74\u7f8e\u56fd\u7f51\u8d37\u5e73\u53f0\u9762\u4e34\u673a\u6784\u8d44\u91d1\u7684\u5927\u9762\u79ef\u64a4\u79bb\u800c\u5e26\u6765\u7684\u8d44\u91d1\u7aef\u7684\u56f0\u5883\uff0c\u5bfc\u81f4\u589e\u901f\u653e\u7f13\uff0c\u591a\u5bb6\u5e73\u53f0\u4e5f\u88ab\u8feb\u88c1\u5458\uff0c\u6bd4\u5982LendingClub\u88c1\u545812%\u3001Prosper\u88c1\u545828%\u3001Avant\u88c1\u54587%\u3002<\/p>\n

5.3\u7f51\u8d37\u884c\u4e1a\u672a\u6765\u53d1\u5c55<\/strong><\/p>\n

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2016\u5e7412\u6708\uff0cP2P\u7f51\u8d37\u884c\u4e1a\u6210\u4ea4\u91cf\u524d100\u7684\u5e73\u53f0\u6210\u4ea4\u91cf\u5360\u5230\u5168\u884c\u4e1a\u6210\u4ea4\u91cf\u768478%\uff1b\u524d200\u7684\u5e73\u53f0\u6210\u4ea4\u91cf\u5360\u6bd4\u4e3a87%\uff1b\u524d300\u7684\u5e73\u53f0\u6210\u4ea4\u91cf\u5360\u6bd4\u9ad8\u8fbe91%\u3002\u9884\u8ba1\u672a\u6765\u4e00\u5e74\uff0c\u826f\u6027\u9000\u51fa\uff08\u5305\u62ec\u505c\u4e1a\u53ca\u8f6c\u578b\uff09\u5c06\u662f\u5e73\u53f0\u4e3b\u8981\u9000\u51fa\u65b9\u5f0f\uff0c\u65e9\u671f\u91ce\u86ee\u53d1\u5c55\u5bfc\u81f4\u7684\u95ee\u9898\u5e73\u53f0\u6570\u91cf\u6301\u7eed\u51cf\u5c11\uff0c\u5c11\u6570\u7684\u4f18\u8d28\u5e73\u53f0\u53ef\u4ee5\u51ed\u501f\u5176\u4f18\u52bf\u4ee5\u53ca\u54c1\u724c\u7ee7\u7eed\u6269\u5927\u5e02\u573a\u89c4\u6a21\uff0c\u4e00\u4e9b\u7efc\u5408\u5b9e\u529b\u8f83\u5f31\u3001\u7ecf\u8425\u4e0d\u5584\uff0c\u4e0d\u7b26\u5408\u76d1\u7ba1\u8981\u6c42\u7684\u5e73\u53f0\uff0c\u5c06\u4e0d\u5f97\u4e0d\u9009\u62e9\u9000\u51fa\u7f51\u8d37\u884c\u4e1a\uff0c\u884c\u4e1a\u5c06\u5448\u73b0\u51fa\u5f3a\u8005\u6108\u5f3a\u3001\u5f31\u8005\u6108\u5f31\u7684\u201c\u9a6c\u592a\u6548\u5e94\u201d\u3002<\/p>\n

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