P2P网络借贷平台风险防范研究(2)

XCLW26416  P2P网络借贷平台风险防范研究(2)  (字数：12188)

摘要

所谓的P2P网络借贷指的就是个体和个体之间通过网络平台来进行的借贷行为。该定义主要依据的是《网络借贷信息中介机构业务活动管理暂行办法》。随着当前互联网发展速度不断提升，这种新型的互联网金融模式也迅速发展起来，同时其也成为未来的发展金融发展趋势。互联网金融行业已经成为我国当前重要的金融业组成部分。但在其迅速发展的同时，也存在很多问题，比如说：破产，停业，跑路等等。正因为我国对于p2p网贷没有进行合理的规范，所以其未来的发展前景堪忧。本篇范文就针对当前国内外P2P网络借贷的发展现状进行分析和研究，列出三种最典型的P2P网络借贷平台的运营模式，同时指出p2p平台在运营过程中存在的六大风险，并从政府，平台和借贷方三个层面来提出有针对性的风险解决方案。希望能够为今后类似的研究提供一些借鉴。

关键词  P2P网络借贷  运营模式  风险防范

Abstract

The so-called P2P network lending refers to the lending behavior between individuals and individuals through a network platform. The definition is mainly based on the Interim Measures for the management of business activities of Internet lending and lending agencies. With the development of Internet, the new Internet finance mode is developing rapidly. Meanwhile, it has also become the trend of financial development in the future. The Internet financial industry has become an important part of the current financial industry in China. But at the same time, there are many problems in its rapid development, such as bankruptcy, shutdown, running and so on. Because our country has not carried on the reasonable standard to the P2P net loan, so its future development prospect is worried. This paper analyzes and researches on the development according to the current situation of domestic P2P lending network, listed three kinds of P2P network lending platform the most typical operating mode, and points out that the six major risks in the operation process of the P2P platform, and from the government, three levels of lending platform and the party to put forward solutions for the risk of project. We hope to provide some reference for similar research in the future.

Key words  P2P Online Lending  Operation model  Risk prevention

目录

摘要 I

Abstract II

一、诸论 1

二、P2P网络借贷的发展现状 3

（一）典型的P2P网络借贷平台模式 3

1.纯线上模式 3

2.线上线下结合模式 4

（二）P2P网络借贷发展现状 5

1.累计平台数量及增长率 6

2.新增平台数量及增长率 7

3.成交量和综合利率 7

4.活跃投资人数及借款人数 9

三、P2P网络借贷存在的主要风险 11

（一）法律风险 12

（二）监管风险 12

（三）信用风险 13

（四）操作风险 13

四、加强P2P网络借贷风险防范的对策分析 15

（一）完善落实相关法律法规 15

（二）加快我国监管制度建设 15

（三）完善全国征信系统建设 16

（四）强化网贷平台操作流程 17

五、结论 19

参考文献 20