P2P平台挤兑倒闭事件案例分析
发布时间:2018-06-25 23:00
本文选题:P2P网络借贷 + 自律 ; 参考:《安徽财经大学》2014年硕士论文
【摘要】:P2P网络借贷起源于英国,随后在美国、加拿大、日本等发达国家迅速发展起来。我国最早的P2P平台于2007年成立并取得了爆发式的增长,平台数量从2008年的仅一家发展到现在的五百家以上。P2P网络借贷是正规金融体系的有效补充,受到多数小微企业主、个体经营者,中低收入工薪阶层以及大学生的热烈追捧。然而P2P借贷行业准入门槛相对比较低,平台资质参差不一,监管上几乎处于空白状态。P2P网络借贷飞速发展的同时,行业的隐藏风险也逐步显现出来。自2011年以来,P2P平台经常出现资金链断裂,借款人卷款跑路,欺诈等事件。2013年的10月,甚至出现了P2P平台有史以来范围最广泛的倒闭浪潮。 本文首先系统论述了P2P网络借贷快速发展的背景,指出其发展的现实情况、积极意义、与互联网发展的关系以及其中存在的问题。其次对近期的P2P平台倒闭平台进行详细的介绍,分析指出这些平台倒闭的影响及相关监管部门做出的对策。然后再次从缺乏监管、平台自身、征信体系、行业的高风险性等方面详细地分析P2P平台倒闭的原因。最后从行业监管、自律、征信体系、风险控制及法律法规的完善等角度提出规范我国P2P行业发展的建议。
[Abstract]:P2P network lending originated in the United Kingdom, then developed rapidly in the United States, Canada, Japan and other developed countries. The earliest P2P platform in China was established in 2007 and has achieved a explosive growth. The number of platforms has grown from only one in 2008 to more than 500. P2P network lending is an effective supplement to the formal financial system, and has been effectively supplemented by most small and micro business owners. Self-employed, low-middle-income wage earners and college students enthusiastically sought after. However, the threshold of P2P lending industry is relatively low, the platform qualifications are different, the regulation is almost blank. P2P network lending is developing rapidly. At the same time, the hidden risks of the industry are gradually emerging. Since 2011, peer-to-peer platforms have experienced frequent financial chain breaks, borrowers scampering, fraud and so on. In October 2013, there was even the most widespread wave of failures of P2P platforms in history. Firstly, this paper systematically discusses the background of the rapid development of P2P network lending, points out the reality of its development, the positive significance, the relationship with the development of the Internet and the existing problems. Secondly, it introduces the recent P2P platform collapse in detail, and points out the impact of these platforms failure and the countermeasures made by the relevant regulatory authorities. Then the reasons of P2P platform failure are analyzed in detail from the following aspects: lack of supervision, platform itself, credit system, industry high risk and so on. Finally, from the aspects of industry supervision, self-discipline, credit system, risk control and the perfection of laws and regulations, some suggestions are put forward to standardize the development of P2P industry in China.
【学位授予单位】:安徽财经大学
【学位级别】:硕士
【学位授予年份】:2014
【分类号】:F832.4
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