P2P网贷企业运营模式研究报告
发布时间：2018-08-05 12:12
【摘要】：P2P网络借贷行业在我国最初是默默发展,但进入2010年后其获得了爆发式的发展,数量由2010年的15家迅速增长到如今的1000多家以上,截止2014年二季度,中国有P2P网贷公司1184家,行业总成交额达964.46亿元。由于缺乏监管,中国的P2P网络信贷行业鱼龙混杂,P2P网贷公司运营模式层出不穷让人眼花缭乱,如拍拍贷的纯平台模式、宜信的债权转让模式、红岭创投大额融资、陆金所信贷证券化模式等,因而造成P2P网贷公司跑路现象频繁发生。面对如此多的P2P网贷公司各有利弊的运营模式,投资者应该如何抉择呢?如今银监会已表明对P2P网贷行业进行监管,正在研究制定运营细则,那么哪种运营模式利于P2P网络借贷企业的长足发展,哪种运营模式更容易被政府监管层所接受呢?这正是本文研究的内容。本文主要采用文献研究和比较分析法来探索哪种运营模式更适合在我国发展。本文主要有五章:绪论,P2P网络借贷概述,P2P网贷企业运营模式及案例分析,P2P网贷企业存在的风险及监管建议,结语。P2P网贷平台运营模式及案例分析是本文的重点,在这部分,本文选择了国外两家P2P网贷公司(Zopa、Lending Club)以及国内四家典型运营模式的P2P网贷公司(拍拍贷、宜信、红岭创投、陆金所)进行比较,从其借贷利率的生成、投资基金的来源、风险控制以及平台收费方面入手分析,结合我国金融监管部门公开的监管消息,本文认为在我国陆金所模式最适宜长远发展,由于其背靠金融大鳄有雄厚的金融资本以及专业的风险控制系统,而且平台运作规范,不仅能使民间借贷阳光化,还能保障投资人资金安全。针对目前行业整体情况,本文指出了我国P2P网络借贷企业存在的共性及特性风险:而且针对这些风险提出了监管建议。最后结语,得出了整篇文章的结论,认为陆金所模式是最适宜长远发展的模式。
[Abstract]:The P2P network lending industry initially developed silently in our country, but after entering 2010, it got explosive development. The number of P2P network lending industry has increased rapidly from 15 in 2010 to more than 1000 now. As of the second quarter of 2014, there are 1184 P2P network loan companies in China. The total turnover of the industry amounted to 96.446 billion yuan. As a result of lack of supervision, China's P2P network credit industry is a mix of P2P network lending companies operating patterns are dazzling, such as PPDAI's pure platform model, Yi Xin's debt transfer model, Hongling venture capital large amount of financing, The lufax credit securitization mode, thus causes P2P network loan company to run the road phenomenon frequently. In the face of so many P2P network lending companies have their own advantages and disadvantages of the operation model, how should investors choose? Now the CBRC has made it clear to regulate the P2P lending industry, and is studying the development of operating rules. So which operation mode is conducive to the rapid development of P2P network lending enterprises, which operation model is more easily accepted by the government regulatory layer? This is the content of this paper. This paper mainly uses literature research and comparative analysis to explore which mode of operation is more suitable for development in China. There are five chapters in this paper: introduction to P2P network loan business operation model and case study on P2P network loan enterprise risk and supervision suggestion, conclusion. P2P network loan platform operation model and case analysis are the focus of this paper, in this part, In this paper, two foreign P2P network lending companies (ZopaA lending Club) and four typical domestic P2P network lending companies (PPDAI, Yixin, Hongling Venture, lufax) are selected for comparison. Based on the analysis of risk control and platform charges, combined with the open regulatory information of China's financial regulatory authorities, this paper believes that the lufax model is the most suitable for long-term development in China. Because of its strong financial capital and professional risk control system, and the platform operating standard, it can not only make private lending sunshine, but also ensure the safety of investors' funds. In view of the current situation of the industry, this paper points out the common and characteristic risks of P2P network lending enterprises in China, and puts forward some regulatory suggestions for these risks. Finally, the conclusion is drawn that lufax model is the most suitable model for long-term development.
【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】：F724.6;F832.4
本文编号：2165759
[Abstract]:The P2P network lending industry initially developed silently in our country, but after entering 2010, it got explosive development. The number of P2P network lending industry has increased rapidly from 15 in 2010 to more than 1000 now. As of the second quarter of 2014, there are 1184 P2P network loan companies in China. The total turnover of the industry amounted to 96.446 billion yuan. As a result of lack of supervision, China's P2P network credit industry is a mix of P2P network lending companies operating patterns are dazzling, such as PPDAI's pure platform model, Yi Xin's debt transfer model, Hongling venture capital large amount of financing, The lufax credit securitization mode, thus causes P2P network loan company to run the road phenomenon frequently. In the face of so many P2P network lending companies have their own advantages and disadvantages of the operation model, how should investors choose? Now the CBRC has made it clear to regulate the P2P lending industry, and is studying the development of operating rules. So which operation mode is conducive to the rapid development of P2P network lending enterprises, which operation model is more easily accepted by the government regulatory layer? This is the content of this paper. This paper mainly uses literature research and comparative analysis to explore which mode of operation is more suitable for development in China. There are five chapters in this paper: introduction to P2P network loan business operation model and case study on P2P network loan enterprise risk and supervision suggestion, conclusion. P2P network loan platform operation model and case analysis are the focus of this paper, in this part, In this paper, two foreign P2P network lending companies (ZopaA lending Club) and four typical domestic P2P network lending companies (PPDAI, Yixin, Hongling Venture, lufax) are selected for comparison. Based on the analysis of risk control and platform charges, combined with the open regulatory information of China's financial regulatory authorities, this paper believes that the lufax model is the most suitable for long-term development in China. Because of its strong financial capital and professional risk control system, and the platform operating standard, it can not only make private lending sunshine, but also ensure the safety of investors' funds. In view of the current situation of the industry, this paper points out the common and characteristic risks of P2P network lending enterprises in China, and puts forward some regulatory suggestions for these risks. Finally, the conclusion is drawn that lufax model is the most suitable model for long-term development.
【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】：F724.6;F832.4
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