P2P网络借贷平台发展模式及对商业银行影响研究

发布时间：2018-03-12 22:40

本文选题：PP　切入点：网络借贷平台　出处：《西南金融》2015年07期 　论文类型：期刊论文

【摘要】：本文从平台数量规模、注册资金、注册区域、贷款成交量、贷款综合收益以及问题平台等方面分析P2P网络借贷平台发展现状,并总结了目前P2P网络借贷平台主要包括了纯中介线上电商模式、线上线下相结合O2O模式以及债权转让交易模式等三种模式。在此基础上,分析了P2P网络借贷平台对商业银行在负债业务、中间业务和资产业务等三大业务以及商业银行模式上产生深远影响。最后对P2P网络借贷平台可持续健康发展提出了加强P2P网络借贷平台的行业自律、明确监管主体、纳入监测体系、资金第三方托管、市场准入和退出机制、信息披露制度、资金保险制度等七个方面监管措施建议。
[Abstract]:This paper analyzes the current situation of P2P network lending platform from the aspects of the scale of the platform, registered funds, registration area, loan volume, loan comprehensive income and problem platform, etc. And summarizes the P2P network lending platform mainly includes the pure intermediary online e-commerce model, online and offline combination of O2O mode and debt transfer transaction model, etc. On this basis, This paper analyzes the P2P network lending platform for commercial banks in debt business, Three major businesses, such as intermediary business and asset business, as well as the commercial bank model, have a profound impact. Finally, to the sustainable and healthy development of P2P network lending platform, it is proposed to strengthen the industry self-discipline of P2P network lending platform and make clear the main body of supervision. It includes seven regulatory measures including monitoring system, third party custody of funds, market access and withdrawal mechanism, information disclosure system, fund insurance system, and so on.
【作者单位】：盐城师范学院;
【基金】：盐城师范学院“148”工程资助优秀论文(项目号:YC14801)
【分类号】：F832.4;F724.6;F832.33

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