摘要2006年，中国成立了最早的P2P网贷平台。之后几年，国内的网贷平台还是凤毛麟角，很少有创业人士涉足其中。直到2010年，网贷平台才被许多创业人士看中，开始陆续出现了一些试水者。2011年，P2P进入了快速发展期，大批网贷平台上线。51889

   2012年，我国网贷平台进入了爆发期，大量网贷平台出现，达到了2000余家，比较活跃的有几百家。据不完全统计，仅2012年，国内含线下放贷的网贷平台全年交易额已超百亿。到了2013年，网贷平台发展更为迅猛，以每天1—2家上线的速度增长，平台数量大幅度增长所带来的资金供需失衡等现象开始逐步显现。

   不同的P2P信贷平台采取的运营模式不尽相同，大致可以分为以下四类，分别是无担保线上交易模式，有担保线上交易模式，线下运营模式，线上线下相结合运营模式。

   本文通过对国内外主流P2P网站线上线下运营模式的比较与分析，根据发展现状研究出未来最适合P2P行业发展的主流模式，对当下模式进行优化。从而推动整个行业健康发展。

毕业论文关键词 ：P2P信贷，运营模式，线上线上对比，未来主流模式。

 ABSTRACT  2006, China established the first P2P net loan platform. After a few years, the domestic net loan platform is very rare, very few entrepreneurs involved. Until 2010, net lending platform was a lot of entrepreneurs fancy, began to appear some test the water. 2011, P2P entered a period of rapid development, a large number of net loan platform on the line.

2012, China's net loan platform into the outbreak period, a large number of net lending platform, reaching more than 2000, more active there are hundreds of. According to incomplete statistics, only in 2012, the domestic network lending platform for the annual turnover of the line under the line has been over ten billion. In 2013, net lending platform for the development of more rapid, with 2 to 1 per day on the line speed growth, the number of platforms has brought about a large increase in the capital supply and demand imbalances and other phenomena began to gradually show.

Take different P2P credit platform business model is not the same, can be roughly pided into the following four categories, respectively is unsecured online trading patterns, secured online trading patterns, line operation mode, online and offline combined operation mode.

Through the comparison and analysis of the operation mode of the domestic and international mainstream P2P website online and offline, according to the development of the status quo, the future is most suitable for the development of the P2P industry mainstream model, the current model to optimize. So as to promote the healthy development of the whole industry.

Key words: P2P credit, business model, online and online comparison, the future mainstream model.

目    录

1.引言 5

1.1研究背景及意义 5

1.2研究内容 5

1.3 研究思路与论文结构 6

1.4 研究方法 6

2. 文献综述 6

2.1 P2P网络借贷平台概况 6

2.1.1 P2P网络借贷特点 6

2.1.2 P2P信贷在国内迅速发展的原因 7

2.2 P2P网站相关研究 8

2.2.1 主流网站运营模式 8

2.2.2 主流网站发展前景 9

2.3 研究中存在的问题