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网贷平台要正本清源。无论网贷的业务模式如何演变,其核心或者说其历史使命是金融脱媒,也就是说实现直接融资,从而提升社会金融资源的配置效率,并且降低金融体系的系统性风险。因此,网贷的未来发展方向一定是信息中介,毋庸置疑。而网贷在中国的发展过程中,与中国最传统的民间借贷甚至非法集资产生了化学反应,在信用体系不完善等因素的催化之下,产生了各种各样的模式和形态。但随着其存在的基础发生变化,比如信用体系建设的完善,他们的形态也一定会发生崩解或者变化。一定会回归到它的信息中介本质来。
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