P2P网络贷款发展与问题研究

发布时间：2018-10-25 20:26

【摘要】：中国作为世界上经济发展潜力最大的国家之一,伴随着我国金融市场全面对外开放,综合实力强大的国际知名网络贷款公司想要纷纷登入中国金融市场,将新兴的业务模式带入中国--P2P网络贷款。P2P网络贷款项目的引入,不仅是新兴商业模式的发展也是网络借贷模式进化进程中的一个重要体现,也将对我国资本市场的运行产生重要影响以及带来巨大的冲击和挑战。P2P网络贷款早期于英国诞生,是一种依托于互联网实现个人借贷资金的业务模式,这一项目引进不仅是国内金融市场国际化进程中的重要体现,也将是我国金融机构如何应对日趋激烈的金融竞争环境中盈利能力和抗风险能力的加强。这些不仅关乎我国金融网络平台自身的生存与发展,同时也将影响到整体经济的健康稳定发展。因此,P2P网络贷款在国内大规模兴起,将使得金融各行业认清现状,把握优势,认识不足,促使监管机构提出相应的管理策略,这一新兴事物的产生会是一件颇具现实意义的事情。本文通过研究金融市场的开放和发展引进的网络贷款工具,探讨了P2P网络贷款产生的原因,通过分析找出我国P2P网络贷款业务的发展不足并提出有效的对策和建议以及竞争力的有效途径,以此为金融监管部门能更好地规范P2P网络贷款行为以及日后商业银行开展P2P网络贷款更规范化的发展这一项目提供了有效的参考。
[Abstract]:As one of the countries with the greatest economic development potential in the world, with China's financial market fully open to the outside world, international well-known network lending companies with strong comprehensive strength want to log into the Chinese financial market one after another. The introduction of P2P network loan project is not only the development of new business model, but also an important embodiment of the evolution of network lending model. It will also have an important impact on the operation of our country's capital market and bring great impact and challenge. P2P network loan was born in the UK early, and it is a business model based on the Internet to realize personal loan funds. The introduction of this project is not only an important embodiment in the process of internationalization of domestic financial market, but also the enhancement of profitability and anti-risk ability of Chinese financial institutions in the increasingly fierce financial competition environment. These are not only related to the survival and development of China's financial network platform itself, but also affect the healthy and stable development of the overall economy. Therefore, the large-scale rise of P2P network loans in China will make the financial industry recognize the current situation, grasp the advantages, understand the shortcomings, and urge the regulators to put forward the corresponding management strategy. The emergence of this new thing will be a matter of practical significance. By studying the opening of the financial market and the development of the imported network loan tools, this paper discusses the causes of P2P network loans. Through the analysis to find out the lack of development of P2P network loan business in China, and put forward effective countermeasures and suggestions, as well as the effective way of competitiveness. It provides an effective reference for the financial supervision department to standardize the P2P network loan behavior and the commercial bank to develop the P2P network loan more standardized in the future.
【学位授予单位】：云南师范大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F724.6;F832.4

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