我国P2P网络借贷平台的风险控制研究

发布时间：2018-05-06 01:39

本文选题：P2P + 网络借贷　；参考：《浙江大学》2017年硕士论文

【摘要】：互联网和民间借贷开始迅速发展,P2P借贷行业在近几年出现,并开始迅速地发展起来。与其他传统金融机构不同的是,P2P行业独特的运营优势,如普惠化、碎片化、个性化,陆陆续续开始弥补中小企业传统金融机构之间的差距和个人借款打破了时间和空间资本与贷款的界限,有力加快市场经济的发展,使金融机构的服务意识提高,满足了大型小额资金量借款人的迫切需要。但是在P2P网络中,由于行业的快速发展,跑路、平台故障等问题也随之出现,导致了大量投资者遭受到严重的经济损失,导致中国的P2P网络贷款行业整体信贷水平大幅下滑,极大地阻碍了网络贷款领域的可持续发展与发展。可以看出,如何有效控制P2P网络贷款行业的风险是当前迫切需要解决的关键问题。本文在梳理国内外相关问题文献的基础上,详细分析探讨了我国网络借贷行业的发展历程及现状,并总结归纳出我国P2P平台的特点与存在的风险;针对当下我国P2P平台的跑路现象,从宏观上研究分析其存在的主要风险因素。借鉴国际经验,并以风险控制较为健全的陆金所为例,提出了未来该如何更好促进中国P2P网贷行业规范化发展若干政策建议。通过本文的研究,不仅丰富了针对互联网金融相关问题的理论研究,同时还对规范发展包括P2P网络借贷平台的互联网金融具有实际意义。本文的创新之处在于研究对象是我国金融市场的新生事物,也是互联网金融的最新产物,具有强大的市场冲击力。
[Abstract]:The Internet and private lending began to develop rapidly, and the P2P lending industry appeared in recent years and began to develop rapidly. Unlike other traditional financial institutions, the unique operational advantages of the P2P industry, such as inclusive, fragmented, personalized, and continuing to make up for the gap between the traditional financial institutions of small and medium-sized enterprises and personal loans. Break the time and the boundary between the space capital and the loan, speed up the development of the market economy, improve the service consciousness of the financial institutions, and meet the urgent need of the large amount of small amount of money borrowers. But in the P2P network, the rapid development of the industry, the running road, the platform failure and so on, have caused a large number of investors to suffer. The serious economic loss has led to a sharp decline in the overall credit level of the P2P network loan industry in China, which has greatly hindered the sustainable development and development of the network loan field. It can be seen that how to effectively control the risk of the P2P network loan industry is an urgent key problem to be solved at present. This paper is to comb the related literature at home and abroad. On the basis of the detailed analysis and discussion of the development process and present situation of China's network lending industry, the characteristics and risks of the P2P platform in China are summarized and summarized. In view of the current running phenomenon of the P2P platform in China, the main risk factors are studied and analyzed from the macro level, and the international experience is borrowed and the risk control is more sound. As an example, Jin puts forward some suggestions on how to better promote the standardization development of China's P2P net loan industry in the future. Through this study, it not only enriches the theoretical research on Internet financial related issues, but also has practical significance for standardizing the development of the interconnected finance including the P2P network lending platform. The innovation of this paper is the innovation of this paper. It is a new product of China's financial market. It is also the latest product of Internet finance, and has strong market impact.

【学位授予单位】：浙江大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.4

【参考文献】