P2P网络贷款的问题与对策研究

发布时间：2018-03-01 07:11

本文关键词： P2P网络贷款 P2P网络贷款平台问题和对策研究　出处：《广西大学》2014年硕士论文　论文类型：学位论文

【摘要】：2005年,一种名为P2P网络贷款的全新信贷模式在英国诞生,它是一种将互联网的便利和民间借贷高度融合的新兴业务模式。在P2P网络贷款出现以后,它立刻成为了炙手可热的贷款模式。2007年,拍拍贷成为中国国内第一个P2P网络借贷平台,在这以后,我国的P2P网络贷款业务发展迅猛,迅速填补了我国小额贷款的空白。P2P网络贷款为我国的借贷市场带来了繁荣和活力,但同时因为当局监管不当、行业管理不规范、法律不完善等问题,该行业的发展引起社会上的热议和质疑。文章以信用体系理论、功能性金融理论为理论基础,通过介绍国内P2P网络贷款的发展历史和现状,对比国内外发展成熟的P2P网络借贷平台的营运模式,深入分析各种类型P2P网络贷款的运营特点,通过分析我国P2P网络贷款发展的监管现状及存在的风险,提出完善我国P2P网络贷款的对策及建议,从而促进其健康有序发展。文章共分为五章来论述：第一章,绪论,包括文章的研究意义、研究内容和方法、相关理论基础、创新之处和不足等。第二章,介绍国内外P2P网络借贷平台三种类型(复合中介型、单纯中介型、非盈利公益型)企业的典型代表,包括公司简介、工作流程、收费方式、风险控制方法、运营特点等等,对各个类型的平台的业务进行简要分析。第三章,介绍P2P网络贷款的起源和发展,并对国内P2P网络贷款的基本情况进行介绍,然后分析P2P网络贷款的发展态势。第四章,对P2P网络贷款的监管状况进行分析和整理,分析其运行过程中存在的问题,譬如虚假信息、非法行为、征信问题等等,为下一章提出P2P网络贷款存在问题的对策建议做好准备。第五章,结合前面论述的基础上,笔者提出了P2P网络贷款存在问题的对策和建议,包括加强信息披露、完善法律法规体系、完善个人征信体系等。
[Abstract]:In 2005, a new credit model named P2P network loan was born in Britain. It is a new business model that integrates the convenience of the Internet and private lending. After the emergence of P2P network loan, In 2007, PPDAI became the first P2P network lending platform in China, and since then, China's P2P network loan business has developed rapidly. P2P network loan has brought prosperity and vitality to our lending market, but at the same time, due to improper supervision by the authorities, improper industry management, imperfect laws, and so on, Based on the theory of credit system and functional finance, this paper introduces the history and present situation of P2P network loan in China. Compared with the domestic and foreign mature P2P network lending platform operating mode, in-depth analysis of various types of P2P network loan operation characteristics, through the analysis of our country P2P network loan development regulatory status and existing risks. In order to promote the healthy and orderly development of P2P network loan in China, the countermeasures and suggestions are put forward. The article is divided into five chapters to discuss:. The first chapter, introduction, includes the research significance, research contents and methods, relevant theoretical basis, innovations and shortcomings. The second chapter introduces three types of P2P network lending platform at home and abroad (compound intermediary type, simple intermediary type, non-profit public welfare type) enterprise typical representatives, including company profile, workflow, charging methods, risk control methods, Operation characteristics and so on, to each type of platform business brief analysis. The third chapter introduces the origin and development of P2P network loan, introduces the basic situation of domestic P2P network loan, and then analyzes the development trend of P2P network loan. Chapter 4th analyzes and collates the supervision of P2P network loans, analyzes the problems existing in its operation, such as false information, illegal behavior, credit investigation and so on. In the next chapter, the countermeasures and suggestions of P2P network loan problems are proposed. In Chapter 5th, based on the previous discussion, the author puts forward the countermeasures and suggestions for the problems of P2P network loan, including strengthening information disclosure, perfecting the system of laws and regulations, perfecting the system of personal credit information, and so on.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F724.6;F832.4

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