我国 P2P网络借贷风险与监管研究

本科论文摘 要在经济与现代互联网技术蓬勃发展之时，人们将其相互融合发展出互联网金融。在其中，基于互联网信息技术搭建的 P2P 网络借贷平台，是一种在出借人与借款人之间形成点对点的形式供借贷双方自由竞价的去中介化的直接借贷模式。在我国 P2P 网络借贷的兴起有着较为浓重的中国特色。结合我国征信体系尚未完善的背景，P2P 网络借贷的运营需要大量的人工调查来完成对征信体系的补充，这既增加了成本，也加大了风险隐患。当 P2P 网络借贷的风险日益暴露之时，不仅给行业带来了很多负面影响，还给 P2P 网络借贷的参与者带来了较大损失。这也在一定程度上要求平台、用户、监管者更加注重风险管理。所以，为有效降低 P2P 网络借贷带来的风险和确保平台有效运行，需要加强风险监管，实现对风险的防范。本文讲述了国内外 P2P 网络借贷的概况，分析了 P2P 网络借贷的主要风险，并进一步提出了对 P2P 网络借贷风险管理的建议。关键字：P2P 网络借贷，风险，管理本科论文AbstractWith the rapid development of economy and modern Internet technology, Internet finance has been developed through the integration of them. Among them, the P2P online lending platform based on Internet information technology is a direct lending model that forms a peer-to-peer form between lenders and borrowers for the free bidding of both sides.The rise of P2P lending in China has strong Chinese characteristics. Combined with the background that China's credit investigation system is not yet perfect, the operation of P2P online lending needs a lot of manual investigation to complete the supplement to the credit investigation system, which not only increases the cost, but also increases the risk. When the risks of P2P online lending are exposed day by day, it not only brings many negative impacts to the industry, but also brings great losses to the participants of P2P online lending. This also requires platforms, users and regulators to pay more attention to risk management to some extent. The...