互联网金融下P2P的信用缺失及其伦理思考

发布时间：2018-02-01 17:16

本文关键词： 互联网金融 P2P信用缺失伦理思考　出处：《哈尔滨理工大学》2017年硕士论文　论文类型：学位论文

【摘要】：随着信息技术的快速发展,“互联网+”迅猛地深入到我们生活的各个领域。形成了诸多依托互联网的商业平台,例如大数据、网络支付、网约车等。在这种大背景下,一种依托网络的新型金融模式,即P2P网络信贷业逐渐形成。这种新型金融模式的出现严重冲击了传统金融业,也为我国金融业提供了研究和探索的新课题。一方面,新型金融模式实现了普遍性及优惠性,使得中小公司资金筹集困难的状况得到了改善,民间金融有了更加宽广的发展空间;同时,这种金融模式带来了巨大的商机,促进金融行业竞争格局的变化;另一方面,随着互联网金融模式下P2P的发展,越来越多的信用问题不断出现。频繁发生的P2P网络借贷平台“倒闭潮”,使得互联网金融下P2P信用防范机制的不健全和监管的不到位等劣势和不足充分显现出来。这种状况下,互联网金融模式下P2P的发展遇到了阻碍,产生了许多消极影响。本论文通过对互联网金融下P2P信用缺失伦理问题的研究,提出了“构建互联网金融下P2P的信用机制的基本思路”,指出在当前信用缺失的状态下,应该以政府为主导、以法规机制为保障,构建一种政府、群体和个人参与的监督体系,共同维护信用良好的动态机制,促进信用监管的落实。互联网金融P2P作为一种新生的事物,具有互惠、便利等益处,但是它发展迅猛的同时也伴随着问题的较快出现,这些问题往往不容忽视,必须在进一步的发展中得到解决。因此,构建互联网金融下P2P信用缺失的防范机制就显得非常重要。从伦理的角度进行探讨,进而对构建我国P2P互联网金融信用机制具有重要的意义。
[Abstract]:With the rapid development of information technology, the "Internet" has rapidly penetrated into every field of our life. It has formed many business platforms based on the Internet, such as big data, network payment. Under this background, a new financial model based on network, namely P2P network credit industry, is gradually formed. The emergence of this new financial model has seriously impacted the traditional financial industry. On the one hand, the new financial model has realized the universality and concessionary nature, which has improved the difficult situation of small and medium-sized companies to raise funds. Folk finance has a broader development space; At the same time, this financial model has brought huge business opportunities, promoting the change of the competition pattern of the financial industry; On the other hand, with the development of P2P in Internet finance mode, more and more credit problems appear. Make the P2P credit prevention mechanism under the Internet finance is not perfect and the supervision is not in place and other disadvantages and deficiencies. In this situation, the development of P2P in the Internet financial model has encountered obstacles. This paper puts forward the basic idea of constructing P2P credit mechanism under Internet finance through the research on the ethics of P2P credit under Internet finance. It is pointed out that under the condition of the current lack of credit, we should take the government as the leading factor and the legal mechanism as the guarantee, construct a supervision system involving the government, the group and the individual, and jointly maintain the good dynamic mechanism of the credit. To promote the implementation of credit regulation. Internet financial P2P as a new thing, with the benefits of reciprocity, convenience, but it has developed rapidly, but also accompanied by the rapid emergence of problems. These problems often can not be ignored and must be solved in the further development. Therefore, it is very important to construct the prevention mechanism of P2P credit deficiency under the Internet finance. Therefore, it is of great significance to construct the P2P internet financial credit mechanism in China.
【学位授予单位】：哈尔滨理工大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：B82-053

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