P2P网络借贷的发展现状与风险对策
毕业论文关键词 P2P网络借贷 风险因素 监管体系
毕业论文外文摘要
Title The development status of P2P lending and risk countermeasure
Abstract
In 2005, P2P (to personal personal) network borrowing in the UK for the first time. It is a new model of lending, have the money and are willing to borrow can through the intermediary of the network platform, and borrowing needs specific consultations, through intermediary platform loan funds guarantee. This mode of borrowing and operating with different traditional borrowing. This paper will summarize the description, and introduce the development of the P2P network lending mode at home and abroad and the status quo of the development of the two, compared with the. On P2P network lending operations prone to risk factors. This will also be the description and analysis, and puts forward how in the existing network environment through to build a more perfect supervision system, laws and regulations, and through the network of credit evaluation system, such as the establishment of to strengthen the lending network supervision and control, thus contributing to the P2P lending model to the healthy development.
Keywords Development Status Risk control Risk factor Supervision system
目 次
1 引言 1
2 P2P网络借贷的概述 2
2.1 P2P网络借贷的概念与特点 2
2.2 P2P网络借贷的产生与意义 2
2.3 P2P网络借贷的流程及原理 3
3 P2P网络借贷的发展现状及特点 4
3.1 国外P2P网络借贷的现状与特点 4
3.1.1 Zopa——复合中介型 4
3.1.2 Lending club——Zopa模式的演变 5
3.1.3 Prosper——单纯中介型 5
3.1.4 Kiva——非营利公益型 6
3.2 国内P2P网络借贷的现状与 7
3.2.1 国内P2P网贷平台发展现状分析 8
3.2.2 国内P2P网贷平台模式简析 10
4 P2P网络借贷存在的风险 14
4.1 制度风险 14
4.2 信用风险 14
4.3 操作风险 14
4.4 市场风险 15
4.5 其他风险 15
5 P2P网络借贷风险的应对策略 16
5.1 构建完善的法规与监管体系 16
5.2 建立网络借贷信用评价体系 16
5.3 加强平台内部控制与资金监管 16
5.4 加强金融知识宣传与教育 17
结论 18
致谢 19
参考文献20
1 引言
民间借贷，自古以来便已有之。我国现有法律并不确认民间借贷的合法性，但随着社会的不断发展，人们富起来以后，更愿意将手上的闲置资金拿出来投资理财，而非放在银行中坐收利息。江浙一带，民间借贷蔚然成风，其利弊交织并存。此外，小额贷款公司、担保公司等也纷纷涌现，这些对民间经济活动的活化和促进，有着一定正面意义。随着互联网不断普及，网络理财、网络投资等纷纷发展，民间借贷业务也顺势而生。网络借贷能对小额贷款公司不能吸储的缺点进行弥补，融资方和投资方通过可靠的中介平台进行交易，系统自动生成借款合同，其便捷、迅速的优势吸引了许多人的参与。
上一篇：地下金融的治理机制设计问题研究
下一篇：上海自贸区金融创新研究+文献综述