河北省P2P网络借贷发展问题研究

发布时间：2018-05-20 17:58

本文选题：互联网金融 + 河北省　；参考：《河北师范大学》2017年硕士论文

【摘要】：P2P网络借贷是通过互联网技术,为资金短缺者和资金闲置者提供金融服务的信息中介平台,自2007年在英国出现后,逐步进入中国并迅速在金融市场占据一席之地。截止到2016年末,全国范围内已累计超过4686家P2P网络借贷平台,成交额达到1.7万亿元。然而,在P2P网络借贷快速增长的背后,各种隐藏的风险也逐渐暴露出来。为了规范P2P网络借贷行业的发展,我国政府出台了一系列关于互联网金融的规范性文件,为其平稳健康的运行创造良好的条件,同时建立中国互联网金融协会,进一步推动P2P网络借贷行业的规范性发展。河北省也积极响应国家关于大力发展互联网金融的号召,出台一系列规范性文件,设立中国互联网金融研究院河北分院,致力于促进省内P2P网络借贷行业发展。本文回顾了河北省P2P网络借贷的发展历史,客观描述了河北省P2P网络借贷的发展成就,深入揭示了河北省P2P网络借贷存在的问题。依据利益相关者理论,从河北省P2P网络借贷内外部利益相关者角度出发,提出河北省P2P网络借贷行业健康发展的对策建议。为河北省未来互联网金融产业发展提供理论与实践上的支持,对互联网金融发展具有积极作用。本文的研究思路如下:第一部分:绪论。主要介绍研究背景和意义、研究内容、方法及创新点,对国内外关于P2P网络借贷的相关文献进行了梳理。第二部分:河北省P2P网络借贷的发展状况。主要回顾了河北省P2P网络借贷的发展起步、快速发展、风险频发和理性发展四个阶段的历史,并从河北省P2P网络借贷的发展规模、运营模式和监管情况三方面进行客观分析,详细描述了河北省P2P网络借贷的发展历程和现状。第三部分:河北省P2P网络借贷存在的主要问题。借助利益相关者理论,从P2P网络借贷平台内外部利益相关者角度出发,深入剖析河北省P2P网络借贷存在的风险大、监管缺失等方面的问题,为对策建议提供分析依据。第四部分:P2P网络借贷平台典型案例分析及启示。通过对比分析成功案例陆金所和失败案例e租宝的运营模式和风控模式,总结其成功经验和失败教训,为河北省P2P网络借贷的平稳健康发展提供参考意见。分析河北省典型P2P平台——信投在线,将案例分析的经验启示运用到河北省P2P网络借贷中,促进河北省P2P网络借贷行业的健康发展。第五部分:河北省P2P网络借贷健康发展的对策建议。从内外部利益相关者角度出发,针对河北省P2P网络借贷存在的主要问题,提出合理的建议措施,为河北省P2P网络借贷未来健康发展提供参考思路。
[Abstract]:P2P network lending is an information intermediary platform that provides financial services to the underfunded and idle people through Internet technology. Since its emergence in Britain in 2007, P2P network lending has gradually entered China and quickly occupied a place in the financial market. By the end of 2016, there had been more than 4686 P2P online lending platforms nationwide, with a turnover of 1.7 trillion yuan. However, behind the rapid growth of P2P network lending, all kinds of hidden risks are gradually exposed. In order to standardize the development of P2P network lending industry, our government has issued a series of normative documents on Internet finance, which create good conditions for its smooth and healthy operation, and establish the China Internet Finance Association. Further promote the normative development of P2P network lending industry. Hebei Province also responded positively to the national call to vigorously develop Internet finance, issued a series of normative documents, set up the Hebei Branch of the China Internet Finance Research Institute, committed to promoting the development of P2P network lending industry in the province. This paper reviews the history of P2P network lending in Hebei Province, describes objectively the achievements of P2P network lending in Hebei Province, and reveals the problems of P2P network lending in Hebei Province. Based on the stakeholder theory and from the perspective of internal and external stakeholders of P2P network lending in Hebei Province, the paper puts forward the countermeasures and suggestions for the healthy development of P2P network lending industry in Hebei Province. It provides theoretical and practical support for the future development of Internet finance industry in Hebei Province and plays an active role in the development of Internet finance. The research ideas of this paper are as follows: the first part: introduction. This paper mainly introduces the research background and significance, research content, methods and innovation points, and combs the relevant literature on P2P network lending at home and abroad. The second part: the development of P2P network lending in Hebei Province. This paper reviews the history of the four stages of P2P network lending in Hebei Province, including its starting, rapid development, frequent risk occurrence and rational development, and makes an objective analysis from three aspects: the development scale, operation mode and supervision of P2P network lending in Hebei Province. This paper describes the history and current situation of P2P network lending in Hebei Province. The third part: the main problems of P2P network lending in Hebei province. With the help of stakeholder theory, from the perspective of internal and external stakeholders of P2P network lending platform, this paper deeply analyzes the problems in Hebei Province, such as the risk of P2P network lending, the lack of supervision and so on, and provides the analysis basis for the countermeasures and suggestions. The fourth part is the typical case analysis and enlightenment of P2P network lending platform. By comparing and analyzing the operation mode and wind control mode of successful case lufax and failed case e Zubo, the paper summarizes its successful experience and failure lessons, and provides reference for the steady and healthy development of P2P network loan in Hebei Province. This paper analyzes the typical P2P platform of Hebei Province, Xintuo online, and applies the experience and enlightenment of case analysis to the P2P network lending in Hebei Province, and promotes the healthy development of the P2P network lending industry in Hebei Province. Part five: countermeasures and suggestions for the healthy development of P2P network lending in Hebei Province. From the angle of internal and external stakeholders and aiming at the main problems existing in P2P network lending in Hebei Province, this paper puts forward some reasonable suggestions to provide a reference for the healthy development of P2P network lending in Hebei Province in the future.
【学位授予单位】：河北师范大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.4

【参考文献】