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摘要随着经济的发展和互联网技术的进步，互联网金融逐步进入大众的视野，并呈现出强劲的发展势头。其中，p2c网络借贷一则为中小企业融资提供了新途径，符合国家鼓励中小企业发展的政策，二则为社会闲散资金的投资创造了新模式。然而，许多问题也在发展过程中日益显露，大量平台出现体现困难、跑路倒闭等现象。27274
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本文以典型的p2c网络借贷平台爱投资作为研究对象，深入分析p2c网络借贷运营模式中存在的风险，寻求合理的风险管理机制。本文分为两部分。第一部分是理论概述，介绍了p2c网络借贷的含义及特征、风险和风险管理的含义和风险管理的方法,以及我国p2c网络借贷的产生、风险现状和风险成因。第二部分是案例分析，首先介绍了网络借贷行业的发展历程，其次介绍爱投资网络借贷平台的概况，然后着重介绍了爱投资网络借贷平台的风险管理现状，分析了其中存在的不足，最后，针对提出的问题给予相应的应对策略。
关键词 p2c网络借贷 风险管理 爱投资
毕业论文外文摘要
Title Research on Risk Management of p2c Lending In China
Abstract
With the development of economy and Internet technology, Internet financial gradually went into the public's field of vision, and present a strong momentum of development. p2c lending provides a new way of financing for small and medium enterprises, in accordance with the state policy that faciliates small and medium-sized enterprise development, besides,it creates a new pattern,for the social idle funds investment. However, many problems are emerging along the way, a large number of platforms appear difficult, run collapse.
Based on the research of Itouzi lending platform,we analyzes risks existing in the operation mode of p2c network lending, to seek a reasonable risk management mechanism. This article is pided into two parts. The first part is theoretical overview, introduces the meaning and characteristic of p2c network lending, the meaning of risk.The second part is case analysis, first introduced the network lending industry development course, secondly introduces love lending to investment network platform, and then introduces the love network platform lending risk management present situation, analyzes the shortage of the last, in view of the questions give corresponding coping strategies.
Keywords p2c lending risk management Itouzi
目 次
1 绪论 1
1.1 研究背景及意义 1
1.2 研究内容及方法 1
2 理论概述 4
2.1 网络借贷概述 4
2.2 风险管理概述 6
3 我国p2c网络借贷的风险及其原因 8
3.1 我国网络借贷的发展历程 8
3.2 我国p2c网络借贷风险类别 9
3.3 我国p2c网络借贷风险成因 10
4 爱投资p2c网络借贷公司概况 13
4.1 爱投资简介 13
4.2 爱投资发展历程 13
4.3 爱投资主要产品 14
5 爱投资p2c网络借贷公司的风险管理现状及存在问题 19
5.1 信用风险的管理分析 19
5.2 资金内部操作风险的管理分析 23
5.3 网络信息安全风险的管理分析 26