摘要随着互联网的普及和快速发展，民间借贷衍生出了新的互联网模式—P2P网贷。P2P网贷其实是将空余部分的资金进行充分的利用和配置，来为中小企业、个人等提供更方便、更快捷的贷款。P2P网贷平台发展如火如荼的进行着，目前国内的P2P网贷平台已有2000多家，每个月都有新的平台创立。在这种不断发展的势头下，P2P网贷门槛低，发展时间段，没有完善的管理机制，在加上政府对其的重视程度还不够，也就没有相应的政府机构和法律法规来规范和保护这个新兴产业的发展，因此在P2P网贷这个行业存在着风险是必然的。主要是来自内部和外部的风险，内部风险包括担保模式风险、借款人风险、平台自身风险等；外部风险主要包括法律政策风险、市场风险等。针对这些风险，应该制定相应的风险防控机制，与多家担担保机构合作、建立信用评价体系、建立风险准备金、加强事前预测能力、制定相应的管理机构和法律政策和成立自律组织等机制都可以有效地防控P2P网贷平台现在带来的风险。48100

Abstract  With the popularity of the Internet and the rapid development of private lending spawned new Internet mode - peer-to-peer (P2P) network. P2P network is actually a loan will spare part of the funds to fully use and configuration, for the small and medium-sized enterprises and inpiduals to provide more convenient and faster. P2P network credit platform development in full swing, the current domestic P2P network platform has been more than 2000 loan, every month has new platform was created. Under this development momentum, the P2P network loan threshold is low, the development period, there is no perfect management mechanism, combined with the government's emphasis on its protocols is not enough, there would be no response of the government institutions and laws and regulations to regulate and protect the development of this emerging industry, so in P2P network credit risk exist in the industry is inevitable. Mainly from internal and external risks, internal risks including risk guarantee mode, the borrower risk, the risk of their own platform; External risk mainly including legal policy risk, market risk, etc. Against these risks, we should formulate the corresponding risk control mechanism, and several responsibility guarantee agency cooperation, establishment of credit evaluation system, establishing the risk reserve, strengthen the ability to predict in advance, formulate corresponding management institutions and legal policy and establish a self-discipline organization mechanism can be effective prevention and control of P2P network platform now brings the risk of loan.

毕业论文关键字：P2P网贷平台；发展现状；平台风险；内部防控；法律政策

Keyword：P2P network platform；Current situation of the development；Platform risk；Internal control；Legal policy

目  录

一、引言 4

（一）、选题背景与意义 4

（二）、研究内容 4

（三）、研究方法 5

（四）、技术路线 5

（五）本文的创新点 5

二、相关理论综述 6

（一）、关于内部防控研究 6

（二）、关于外部防控研究 6

（三）、民间借贷的含义 7

（四）、P2P网贷的含义 7

三、P2P网贷平台发展的现状 8

（一）、P2P网贷主要流程