我国P2P信贷问题初探

发布时间：2018-06-15 23:52

本文选题：互联网金融 + P2P　；参考：《烟台大学》2017年硕士论文

【摘要】：P2P也称基于网络的人人贷,是Peer-to-Peerlending的简称,其雏形被认为是1983年尤努斯创办的意在为贫苦人提供小额资金的格莱珉信贷模式,而2005年英国的Zopa则被公认为正规P2P信贷模式第一家。该种金融模式通过互联网平台中介,将资金需求者与资金供给者直接进行匹配。它主要定位于小微金融市场,是对传统金融机构市场的有效补充。P2P作为一种金融创新,其主要依托技术、市场、制度条件,其创新路径主要表现为融资主体创新、商业模式创新、融资渠道创新、融资产产品创新、融资服务创新。对P2P信贷对经济发展作用的实证分析结果显示P2P信贷成交量与经济发展之间是正相关关系,但是弹性系数为0.029。一方面说明了P2P信贷对经济发展确实有正向促进作用,另一方面也说明P2P信贷对经济发展贡献相对较弱,其还处在初级发展阶段。为了进一步研究P2P信贷发展情况,对P2P信贷运营模式、机构平台背景、问题平台成因进行分析。在对P2P信贷发展正反两方面进行实证分析和案例分析后,提出我国P2P信贷发展的六大外部内部问题:利率市场化下的逆向选择,征信系统、监管系统不完善,规模受限,未受完整行业周期检验,大数据有效性仍需验证,风险识别体系仍需完善。通过对国外P2P信贷成功案例分析,总结了国外四大成功经验:行业法律监管较为完善,传统的社区精神及信息公开,信用等级管理费用分级,银行、第三方专业机构合作。在借鉴国外成功经验基础上,结合我国国情提出我国P2P信贷进一步发展的思路。
[Abstract]:Peer-to-Peerlending (Peer-to-Peerlending) is also called Peer-to-Peerlending (Peer-to-Peerlending), which is considered to be the Grameen credit model founded by Yunus in 1983 to provide small amount of money to the poor. In 2005, Zopa was recognized as the first formal P2P credit model in Britain. This kind of financial model, through the Internet platform intermediary, matches the capital demanders and the fund suppliers directly. It is an effective supplement to the traditional financial institution market. As a kind of financial innovation, it mainly relies on technology, market and system conditions. Business model innovation, financing channel innovation, financing product innovation, financing service innovation. The empirical analysis on the effect of P2P credit on economic development shows that there is a positive correlation between P2P credit turnover and economic development, but the elasticity coefficient is 0.029. On the one hand, it shows that P2P credit has a positive effect on economic development, on the other hand, it also shows that P2P credit has a relatively weak contribution to economic development, and it is still in the primary stage of development. In order to further study the development of P2P credit, this paper analyzes the P2P credit operation mode, institutional platform background and the causes of the problem platform. After empirical analysis and case analysis on the development of P2P credit, six external internal problems of P2P credit development in China are put forward: reverse selection under the interest rate marketization, credit information system, imperfect supervision system and limited scale. Without complete industry cycle test, big data validity still needs to be verified, and risk identification system still needs to be improved. By analyzing the successful cases of foreign P2P credit, this paper summarizes the four successful experiences of foreign countries: perfect legal supervision, traditional community spirit and information disclosure, credit grade management expense classification, bank and third party professional organization cooperation. Based on the successful experience of foreign countries, this paper puts forward the idea of further development of P2P credit in our country according to the situation of our country.
【学位授予单位】：烟台大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4;F724.6

【参考文献】