P2P借贷模式与风险研究

发布时间：2018-03-09 14:44

本文选题：P2P　切入点：网络借贷　出处：《河南大学》2015年硕士论文　论文类型：学位论文

【摘要】：2014年,随着媒体曝光率的不断攀升,P2P网络借贷逐渐走进了人们的视线。所谓P2P,翻译成中文就是“个人对个人”的意思,P2P网络借贷就是互联网和借贷相结合的产物。随着国外P2P行业先进经验的引进和国内互联网及民间借贷的兴起,P2P网络借贷已经成为一种新兴的不可忽视的业务模式。对于P2P这样一个舶来品,其在国内的发展还是相当迅速的。2005年,英国的Zopa成为全球首家P2P小额贷款机构,后来美国的Prosper和Lending Club等P2P平台相继取得成功,这使得国内的一些金融界和IT界的人士获得了启发。但是因为中国的实际情况,当2007年国内首家P2P平台——拍拍贷成立后,并没有获得现如今这般轰动的效应,国内不完善的征信系统使得照搬国外平台的做法存在很多缺陷。正因为如此,国内后来的P2P网贷企业理所当然地进行了本土化的改进,形成了目前最流行的线上线下并行的模式。2009年到2014年P2P行业迎来爆发性的增长时期,平台数量呈几何增长。与此同时,对于这种本土化的改进是否背离了P2P的核心概念也引起了多方激烈的争论。由于国内学术界对P2P借贷的研究起步较晚,其中多数是对国外P2P行业经验的论述,对于国内P2P行业的发展也多以介绍性的研究居多,且这些文献大多数是从宏观上去阐述的。因此,本文的初衷就是通过对国内外P2P行业诸多方面的比较分析,把隐藏在宏观角度下的问题找出来,试图找出国内P2P行业未来发展的方向。本文的后一部分主要阐述了P2P行业面临的一个最主要的问题——风险控制。当然行业的风险控制离不开监管,只有明确的监管政策出台后P2P行业才算是真正迎来自己的春天。通过国内外P2P行业的比较分析,本文主要有以下建议:(1)国内的P2P行业是传统金融机构的有效补充,对于解决普通人和小微企业的融资困难有着不可比拟的优势,因此政府不应“一刀切”,而是应该及时出台相关法律法规,引导行业走向阳光。(2)国内P2P平台的风控能力有待提高,各平台应把眼光放的长远一些,以平台用户的利益为根本,在风险控制方面加大资金和人员的投入。(3)P2P行业需要自律更需要监管,一个新兴的行业如果缺少有力的政策指导是很难发展壮大的,政府对于P2P行业监管政策的出台将成为有实力P2P平台的一大助力。本文创新:(1)研究对象属于新兴市场主体和模式。(2)研究角度新颖、内容深入。
[Abstract]:2014, With the increasing media exposure, P2P network lending has gradually come to the attention of people. P2P network lending is the product of the combination of Internet and lending with the meaning of "personal to individual" translated into Chinese. The introduction of advanced experience in foreign P2P industry and the rise of domestic Internet and private lending. P2P network lending has become a new business model that can not be ignored. In 2005, Zopa in Britain became the first P2P microfinance institution in the world. Later, Prosper, Lending Club and other P2P platforms in the United States succeeded one after another. This has inspired some people in the domestic financial and IT circles. But because of the actual situation in China, when PPDAI, the country's first P2P platform, was founded in 2007, it did not gain the sensational effect that it is now. The imperfect credit information system in China makes the practice of copying foreign platforms have a lot of defects. Because of this, the domestic P2P network lending enterprises naturally made local improvements. From 2009 to 2014, the P2P industry ushered in an explosive period of growth, with the number of platforms growing exponentially. Whether the localization of the improvement deviates from the core concept of P2P has also aroused fierce controversy. Since the domestic academic research on P2P lending started relatively late, most of them are the exposition of foreign P2P industry experience. For the development of domestic P2P industry, the majority of the introductory research, and most of these documents are from the macro point of view. Therefore, the original intention of this paper is through the comparative analysis of many aspects of P2P industry at home and abroad. To find out the problems hidden in the macro perspective, This paper tries to find out the future development direction of domestic P2P industry. The last part of this paper mainly describes the most important problem facing P2P industry-risk control. Of course, the risk control of the industry can not be separated from supervision. Only after the introduction of a clear regulatory policy can the P2P industry really usher in its own spring. Through the comparative analysis of the domestic and foreign P2P industry, this paper mainly has the following suggestions: 1) the domestic P2P industry is an effective supplement to the traditional financial institutions. There is an incomparable advantage to solve the financing difficulties of ordinary people and small and micro enterprises. Therefore, the government should not "cut one size fits all", but should introduce relevant laws and regulations in time to guide the industry to Sunshine. 2) the risk control ability of domestic P2P platform needs to be improved. Each platform should take a long-term view, take the interests of users of the platform as the foundation, and increase the investment of funds and personnel in risk control. P2P industry needs self-discipline and more supervision. It is difficult for an emerging industry to grow without strong policy guidance. The introduction of government regulation policy for P2P industry will become a powerful P2P platform. The research object of this paper belongs to the emerging market main body and model. 2) the research angle is novel and the content is deep.
【学位授予单位】：河南大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.4;F724.6

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