银行挤兑模型的中国p2p网络借贷风险控制研究
目录
一、 引言 1
（一） 该选题的研究背景 1
（二） 国内外研究现状 1
（三） 主要研究方法与目标 2
（四） 研究意义 3
二、 P2P网络借贷风险控制DD模型分析 3
（一） 模型评述与假设 3
（二） 模型设立 4
1.理财契约 4
2.行为描述 4
3.理财契约的一般均衡 5
4.理财契约的纳什均衡 7
（三） 评述结果 7
三、 基于评述结果的P2P网络借贷的风险控制措施 7
（一） 政府监管的角度 7
1.建立完善的法律监管体系 8
2.明确讯息揭露要求 8
3.建立第三方评级制度 9
（二） 从P2P网络平台运营的角度 9
1.完善网络技术 9
2.明确金融职责 9
（三） 从借款者和贷款者的角度 9
参考文献 11
致谢 13
ABSTRACT
In the current financial innovation in our country, the Internet finance is no doubt the most heat, momentum is the fastest mode of financial, capital using the combination of the convenience of the Internet has become a wide variety of investment and financing platform, network, Internet more fragmented and extensive financial investment group, the source of funds is more extensive, this leads to the diversification of financing channels and effectively aggregate the soc
*好棒文|www.hbsrm.com +Q: ^3^5`1^9`1^6^0`7^2#
ork, Internet more fragmented and extensive financial investment group, the source of funds is more extensive, this leads to the diversification of financing channels and effectively aggregate the social idle funds, especially in lending to P2P network platform for typical, the platform is divided into two types of loan and investment finance product, either in cash or loans are implemented on the Internet, it is not only effective use of social idle funds, and accelerate the cash flow speed and the efficiency of the financial system, but from the perspective of the history of financial development, financial innovation is accompanied with the financial risk, such as capital source is more scattered and network regulation is likely to lead to credit default risk, network platform of this natural fairly concealment and complexity is hidden a lot of unknown risks, such as operating conditions, a lot of on the basis of the personal credit system of borrowing is full of credit risk, and the borrower also exists the risk of default, and investors because of incomplete information and come to a bad portfolio, all of this makes P2P lending became the most popular financial services, so I chose this topic, at the same time, with the help of the classic bank run model research methods of P2P network to explore the risk of lending to, want to be able to on the basis of the existing research, find the control way of the risk in the financial model.
Key words: A bank run model; P2P lending ; Risk control
一、引言
该选题的研究背景
在我国当前的金融创新中，互联网金融无疑是热度最高、势头最快的金融模式，资本利用互联网的便捷性组合成了多种多样的网络投资融资平台，互联网金融使得投资群体更为分散和广泛，即资金来源更为广泛，这带来了融资渠道的多样化，有效聚合了社会闲散资金，尤其以P2P网络借贷平台为典型，该类平台分为贷款和投资理财两类产品，无论现金还是贷款均在网上实现，它不仅有效利用了社会闲散资金，而且加快了资金流运转速度和金融体系的效率，但是从金融发展的历史来看，有金融创新就伴随着金融风险，例如资金来源更为分散和网络监管不力就可能会导致信用违约的风险，网络这种天然具有相当隐蔽性和复杂性
一、 引言 1
（一） 该选题的研究背景 1
（二） 国内外研究现状 1
（三） 主要研究方法与目标 2
（四） 研究意义 3
二、 P2P网络借贷风险控制DD模型分析 3
（一） 模型评述与假设 3
（二） 模型设立 4
1.理财契约 4
2.行为描述 4
3.理财契约的一般均衡 5
4.理财契约的纳什均衡 7
（三） 评述结果 7
三、 基于评述结果的P2P网络借贷的风险控制措施 7
（一） 政府监管的角度 7
1.建立完善的法律监管体系 8
2.明确讯息揭露要求 8
3.建立第三方评级制度 9
（二） 从P2P网络平台运营的角度 9
1.完善网络技术 9
2.明确金融职责 9
（三） 从借款者和贷款者的角度 9
参考文献 11
致谢 13
ABSTRACT
In the current financial innovation in our country, the Internet finance is no doubt the most heat, momentum is the fastest mode of financial, capital using the combination of the convenience of the Internet has become a wide variety of investment and financing platform, network, Internet more fragmented and extensive financial investment group, the source of funds is more extensive, this leads to the diversification of financing channels and effectively aggregate the soc
*好棒文|www.hbsrm.com +Q: ^3^5`1^9`1^6^0`7^2#
ork, Internet more fragmented and extensive financial investment group, the source of funds is more extensive, this leads to the diversification of financing channels and effectively aggregate the social idle funds, especially in lending to P2P network platform for typical, the platform is divided into two types of loan and investment finance product, either in cash or loans are implemented on the Internet, it is not only effective use of social idle funds, and accelerate the cash flow speed and the efficiency of the financial system, but from the perspective of the history of financial development, financial innovation is accompanied with the financial risk, such as capital source is more scattered and network regulation is likely to lead to credit default risk, network platform of this natural fairly concealment and complexity is hidden a lot of unknown risks, such as operating conditions, a lot of on the basis of the personal credit system of borrowing is full of credit risk, and the borrower also exists the risk of default, and investors because of incomplete information and come to a bad portfolio, all of this makes P2P lending became the most popular financial services, so I chose this topic, at the same time, with the help of the classic bank run model research methods of P2P network to explore the risk of lending to, want to be able to on the basis of the existing research, find the control way of the risk in the financial model.
Key words: A bank run model; P2P lending ; Risk control
一、引言
该选题的研究背景
在我国当前的金融创新中，互联网金融无疑是热度最高、势头最快的金融模式，资本利用互联网的便捷性组合成了多种多样的网络投资融资平台，互联网金融使得投资群体更为分散和广泛，即资金来源更为广泛，这带来了融资渠道的多样化，有效聚合了社会闲散资金，尤其以P2P网络借贷平台为典型，该类平台分为贷款和投资理财两类产品，无论现金还是贷款均在网上实现，它不仅有效利用了社会闲散资金，而且加快了资金流运转速度和金融体系的效率，但是从金融发展的历史来看，有金融创新就伴随着金融风险，例如资金来源更为分散和网络监管不力就可能会导致信用违约的风险，网络这种天然具有相当隐蔽性和复杂性
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