P2P网络借贷平台的中介职能分析

发布时间：2018-02-13 03:38

本文关键词： P2P网络借贷平台中介职能成本节约风险转移贷帮　出处：《湖南大学》2013年硕士论文　论文类型：学位论文

【摘要】：P2P网络借贷是一种依托互联网而形成的新型金融服务模式，在这种模式下，借贷双方可以利用网络实现借贷的认证、谈判、签约、清算、交割等过程。凭借其快捷、简便的特点，P2P网络借贷平台自诞生之日起就在全球范围内迅猛发展，迸发出强劲的生命力。P2P网络借贷平台的出现在一定程度上缓解了中小企业及个人的融资难问题，同时，它的出现也对监管部门提出更高的要求，加快了金融竞争格局的变化。正确识别P2P网络借贷平台的经济地位能有效解决当前是否应该发展P2P网络借贷平台的争议。本文较为全面地考察了P2P网络借贷平台的基本现况、发展前景，并对其基本运作原理进行了探索。然后由平台的中介模式引出其承担的中介职能，并用金融理论知识进一步解释了这种职能，从而说明P2P网络借贷平台存在的合理性。在此基础上，，通过对贷帮的调研进一步加深对问题的理解，了解我国P2P网络借贷平台中介职能的执行效果，并针对存在的问题提出相关建设意见。本文的最大特点是以金融中介理论为基础，从经济学角度解释了网络借贷平台存在的合理性问题。在成本节约职能的分析中，运用交易成本理论分析了网络借贷平台的事前、事后交易成本；在风险转移职能的分析中，运用金融理论构造模型，从不同视角分析平台的风险转移职能，最终得出结论：P2P网络借贷平台的存在是合理的，应该大力发展P2P网络借贷行业。
[Abstract]:The new financial service mode of P2P network lending is a kind of relying on the Internet which, in this mode, both lenders and borrowers can achieve borrowing by network authentication, negotiation, signing, clearing, delivery and other processes. With its fast, convenient and rapid development of P2P network lending platform since the date of birth in the world in the burst out strong vitality of.P2P network lending platform to some extent alleviate the difficult problem of financing small and medium enterprises and individuals at the same time, it has also put forward higher requirements to the regulatory authorities, to speed up the change of financial competition. The correct identification of P2P network lending platform can effectively solve the current economic status should the development of P2P network lending platform controversy. This paper comprehensively reviews the basic situation, the P2P network lending platform development prospect, and its basic operation principles are discussed. Cable. Then by platform intermediary mode leads to its commitment to the intermediary functions, and use of financial theory to further explain its function, in order to explain the rationality of the existence of the P2P network lending platform. On this basis, through the investigation of the loan to help further deepen the understanding of the problem, understand China's P2P network lending platform intermediary function implementation the effect, and puts forward some suggestions to solve the existing problems. The biggest characteristic is to the financial intermediary theory, explains the rationality problem of network lending platform from the angle of economics. In the analysis of cost saving function, using the transaction cost theory to analyze the network lending platform in advance, in the risk analysis of transaction costs; the transfer function, by constructing the financial theoretical model from different angle analysis platform of risk transfer function, finally draws the conclusion: P2P network lending The existence of the platform is reasonable, and the P2P network lending industry should be vigorously developed.

【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F830.5

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