p2p模式下的互联网金融风险防范
目录
一、 引言 5
（一）研究背景及意义 5
（二）国内外研究现状 5
（三）主要研究方法 7
二、 P2P网络借贷定义、特点 7
（一）P2P网络借贷定义 7
（二）P2P网络借贷特点 7
三、 P2P网络借贷行业的发展现状 7
四、 P2P网络借贷行业所存在的风险及成因 8
（一）法律与监管风险 8
（二）刚性兑付风险 8
（三）操作技术风险 10
（四）传播风险 10
五、 P2P网络借贷行业风险防范建议 11
（一）行业外部机制建设建议 11
（二）行业内部机制建设建议 12
六、 总结 13
参考文献 13
致谢 14
基于P2P模式下的互联网金融风险防范研究
ABSTRACT
Since the beginning of the birth of the Internet has been the development of more than 20 years of history, and our life has also undergone earth-shaking changes. P2P network lending is emerging in recent years, an online financial model, through the Internet technology and private lending effectively combined. That is, through a qualified Internet credit company as an intermediary platform, with the help of Internet technology, geographical advantages of the two sides will be linked to borrowing. The first in China to carry out the network
*好棒文|www.hbsrm.com +Q: 3_5_1_9_1_6_0_7_2
net credit company as an intermediary platform, with the help of Internet technology, geographical advantages of the two sides will be linked to borrowing. The first in China to carry out the network lending business is the 2007 filming credit, the industry in China has been unknowingly has been developed for nearly 10 years, with the continuous exploration of business models and industry knowledge continues to spread, P2P network lending industry grew rapidly , The future will be called Chinas financial lending services industry trends.
First of all, this paper summarizes the definition of P2P network borrowing through the analysis of domestic and foreign literatures, summarizes the characteristics of P2P network lending and the related theoretical basis. Finally, it analyzes the development of P2P network lending in China.
Then, focus on the p2p network lending industry, the main risks and their causes. Finally, aiming at the many risks that Internet finance faces, this paper puts forward some suggestions from the inside and outside of two parts to promote the healthy development of p2p network lending industry in China.
Keywords:P2P; Internet finance; risk prevention
引言
（一）研究背景及意义
1.研究背景
我国很早就开始有民间借贷这一行业，不过由于是民间的所以缺乏社会信任度，发展比较缓慢，不过近几年，民间借贷行业面临一个发展的机遇。无论国内还是国外，都出现了经济动荡的现象，使得中小企业出现各种各样的发展难题，比如“用工荒”“资金荒”等，其中尤以融资困难最为显著。一是中小企业业务发展扩大需要资金的投入，另一点是民间资金雄厚但没有合适的投资渠道。我国经过这10多年的经济高速发展，民间资本数额非常庞大，但却不能有效及时的投入到实体经济中去。
P2P进入中国的时间不算太长，但其发展速度必须令人震惊，受到媒体的广泛关注。 P2P网络贷款发展迅速，具体表现在资产扩张，产品变化，业务模式更新等方面以不可思议的速度快速发展。“福兮祸所依”是句至理名言，P2P在发展中也面临着各种各样的问题：平台为竞争客户而放宽贷款标准，面临着收不回贷款的情形，使得信用风险上升; 一些从事该职业的人缺乏专业能力，盲目开展业务，使操作风险增加。 这些风险的出现使得平台，行业发展面临巨大的威胁。
2.研究意义
目前，P2P网络借贷模式引发了很多争议，其中模式之争是问题的
一、 引言 5
（一）研究背景及意义 5
（二）国内外研究现状 5
（三）主要研究方法 7
二、 P2P网络借贷定义、特点 7
（一）P2P网络借贷定义 7
（二）P2P网络借贷特点 7
三、 P2P网络借贷行业的发展现状 7
四、 P2P网络借贷行业所存在的风险及成因 8
（一）法律与监管风险 8
（二）刚性兑付风险 8
（三）操作技术风险 10
（四）传播风险 10
五、 P2P网络借贷行业风险防范建议 11
（一）行业外部机制建设建议 11
（二）行业内部机制建设建议 12
六、 总结 13
参考文献 13
致谢 14
基于P2P模式下的互联网金融风险防范研究
ABSTRACT
Since the beginning of the birth of the Internet has been the development of more than 20 years of history, and our life has also undergone earth-shaking changes. P2P network lending is emerging in recent years, an online financial model, through the Internet technology and private lending effectively combined. That is, through a qualified Internet credit company as an intermediary platform, with the help of Internet technology, geographical advantages of the two sides will be linked to borrowing. The first in China to carry out the network
*好棒文|www.hbsrm.com +Q: 3_5_1_9_1_6_0_7_2
net credit company as an intermediary platform, with the help of Internet technology, geographical advantages of the two sides will be linked to borrowing. The first in China to carry out the network lending business is the 2007 filming credit, the industry in China has been unknowingly has been developed for nearly 10 years, with the continuous exploration of business models and industry knowledge continues to spread, P2P network lending industry grew rapidly , The future will be called Chinas financial lending services industry trends.
First of all, this paper summarizes the definition of P2P network borrowing through the analysis of domestic and foreign literatures, summarizes the characteristics of P2P network lending and the related theoretical basis. Finally, it analyzes the development of P2P network lending in China.
Then, focus on the p2p network lending industry, the main risks and their causes. Finally, aiming at the many risks that Internet finance faces, this paper puts forward some suggestions from the inside and outside of two parts to promote the healthy development of p2p network lending industry in China.
Keywords:P2P; Internet finance; risk prevention
引言
（一）研究背景及意义
1.研究背景
我国很早就开始有民间借贷这一行业，不过由于是民间的所以缺乏社会信任度，发展比较缓慢，不过近几年，民间借贷行业面临一个发展的机遇。无论国内还是国外，都出现了经济动荡的现象，使得中小企业出现各种各样的发展难题，比如“用工荒”“资金荒”等，其中尤以融资困难最为显著。一是中小企业业务发展扩大需要资金的投入，另一点是民间资金雄厚但没有合适的投资渠道。我国经过这10多年的经济高速发展，民间资本数额非常庞大，但却不能有效及时的投入到实体经济中去。
P2P进入中国的时间不算太长，但其发展速度必须令人震惊，受到媒体的广泛关注。 P2P网络贷款发展迅速，具体表现在资产扩张，产品变化，业务模式更新等方面以不可思议的速度快速发展。“福兮祸所依”是句至理名言，P2P在发展中也面临着各种各样的问题：平台为竞争客户而放宽贷款标准，面临着收不回贷款的情形，使得信用风险上升; 一些从事该职业的人缺乏专业能力，盲目开展业务，使操作风险增加。 这些风险的出现使得平台，行业发展面临巨大的威胁。
2.研究意义
目前，P2P网络借贷模式引发了很多争议，其中模式之争是问题的
版权保护: 本文由 hbsrm.com编辑，转载请保留链接: www.hbsrm.com/jmgl/jjymy/3061.html
