P2P网贷无担保模式及监管制度研究

发布时间：2018-02-28 14:18

本文关键词： P2P网贷无担保模式监管　出处：《华中科技大学》2014年硕士论文　论文类型：学位论文

【摘要】：P2P网络信贷平台是互联网金融与民间金融相互结合的产物,它超越了传统熟人社会的限制,将传统民间借贷的范围延伸,弥补了传统金融的短板,对普惠金融和民主金融价值的实现具有重要的现实意义。而作为P2P网贷模式中的一种——无担保模式,在英美发达国家中是以互联网信贷主流模式而运行的,但这一模式引入中国后却没有较大的发展势头。2007年,拍拍贷作为美国prosper公司模式的复制品在中国成立运行后,运营交易量5年累计达到4亿元,本应具有先发优势的它,却不敌有担保模式的代表红岭创投,其自2009年成立以来累计交易额已达41亿多。因此,本文从英国与美国无担保模式与监管出发进行研究,以进一步分析无担保模式在中国发展的模式与监管制度建设。本文首先在系统归纳总结国内外相关文献的基础上,研究了P2P网贷的概念、现状、特点、风险等理论基础。其次,以美国prosper、英国Zopa、中国拍拍贷为例进行比较研究,发现国内外P2P无担保网贷模式在定位、运行机制、收费上存在差异。再次,对美、英、中P2P网贷无担保模式的监管进行比较研究,发现他们在目标、类型、规则上存在差异。最后,在上述研究基础了提出了应从定位于合理引导借贷双方的投融资行为、建立以信用为基础的运行机制、强大的技术支持保障业务的实现等三方面出发完善我国P2P无担保模式,及从确立监管目标、以消费者保护为监管目标、设置负面清单机制、推动金融监管现代化等四方面出发完善我国P2P无担保模式的监管,从而推动我国P2P网贷无担保模式的发展。
[Abstract]:P2P network credit platform is the product of the combination of Internet finance and folk finance. It surmounts the limitation of traditional acquaintance society, extends the scope of traditional folk loan, and makes up for the shortcoming of traditional finance. It is of great practical significance to realize the value of inclusive finance and democratic finance. As a kind of P2P network loan model, the unsecured mode is run by the mainstream mode of Internet credit in the developed countries of the United States and the United States. In 2007, PPDAI, as a replica of the prosper model of the United States, set up and operated in China, with a cumulative trading volume of 400 million yuan in five years, which was supposed to have a first-mover advantage. However, the representative of Hongling Venture, which has lost the guarantee mode, has accumulated more than 4.1 billion transactions since its establishment in 2009. Therefore, this paper makes a study on the unsecured model and regulation in the United Kingdom and the United States. In order to further analyze the development of unsecured model in China and regulatory system construction. Firstly, based on the systematic summary of domestic and foreign literature, this paper studies the concept, current situation, characteristics, risk and other theoretical basis of P2P network loan. Taking Prospera, Zopaa and PPDAI of China as examples, we find that there are differences in the location, operation mechanism and charge of P2P unsecured network loan modes at home and abroad. Thirdly, to the United States, Britain, the United States, the United Kingdom, the United States, the United Kingdom, the United States, the United Kingdom, A comparative study of the unsecured mode of P2P loan in China shows that there are differences in objectives, types and rules. Finally, based on the above research, the author puts forward that the investment and financing behavior of both parties should be guided reasonably. Establishing the operation mechanism based on credit, realizing the service of strong technical support, perfecting the unsecured mode of P2P in our country, and setting up the negative list mechanism from the view of establishing the supervision target, taking consumer protection as the supervision target, and setting up the negative list mechanism. In order to promote the development of the unsecured mode of P2P network loan in China, we should improve the supervision of P2P unsecured mode in four aspects, such as the modernization of financial supervision and so on.
【学位授予单位】：华中科技大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;F724.6

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