本科论文摘 要金融业作为推动国家经济发展的马车在各行各业中显得尤为重要和突出，同时金融业是一个国家综合国力和软实力的体现，在 2019 年与美国的贸易战中这一点就体现的越发突出，在金融业迅猛发展的态势下 P2P 平台的发展也愈演愈烈，P2P 借款的迅猛发展不仅为投资者提供了多元化的选择同时也为借款人提供了多样化的融资渠道，随着 P2P 借款被越来越多的人所接受熟知，一种更加简洁化，更加效率化的网络借款平台登上舞台，这种模式使得资金直接从投资人流向借款人，操作过程更加的方便简洁。但是，P2P 网贷平台却不能持续不断的散发光彩，就在 2019 年备受关注的“套路贷”问题，在社会各界都引起了反响，使我们不得不重新审视 P2P 网贷平台的发展。本文将主要通过分析 P2P 网贷平台的发展现状，结合各大网贷平台发展的运作流程以及各个环节进行分析，找出各个环节中存在的问题，并结合国家的政策监管力度，提出真正有利于网贷平台行业发展的举措和建议，从根本上产出危害行业发展的毒瘤，使 P2P 网贷平台朝着更为健康的方向发展。关键字：P2P 网贷，风险评估，监管本科论文AbstractThe financial industry is particularly important and prominent in all walks of life as a carriage to promote national economic development. At the same time, the financial industry is a manifestation of a country's comprehensive national strength and soft power. This is more and more prominent in the 2019 trade war with the United States. With the rapid development of the financial industry, the development of P2P platforms is also intensifying. The rapid development of P2P lending not only provides investors with diversified choices but also provides borrowers with diversified financing channels. As more and more people accept it, a more concise and more efficient online borrowing platform is on the stage. This model allows funds to flow directly from investors to borrowers, making the operation process more convenient and concise. However, the P2P online loan platform cannot continue to shine, and the i...
