国内P2P平台现状及风险分析

本科论文国内 P2P 平台现状及风险分析卢沛远摘 要在二十一世纪的今天，随着互联网金融的迅速发展，P2P 网贷平台也逐渐走进大众的视线，深受大众的喜爱，与此同时，也出现了许多问题平台。首先，是对 P2P 网贷平台做了一个简要介绍；同时，借由对国内 P2P 网贷平台的市场运营模式以及贷款过程的分析，为下一章中美市场差异的分析奠定了基础。其次，通过拍拍贷和 Prosper 的对比，找出了国内 P2P 平台的问题及今后的发展方向；并且，从信用、财务和法律三个方面，对国内 P2P 网贷平台进行了风险分析，并由此提出了解决办法。再者，根据各种数据论述了国资系 P2P 平台的运营情况和问题平台，并通过案例来进一步剖析了问题平台。再按照以上的剖析，进一步的来识别 P2P 的平台风险，并给予一些选择 P2P 平台的方式。最后，从新监管细则下 P2P 平台的发展建议以及风险管控体系建设来预判国内 P2P 平台未来的发展前景。关键字 P2P 平台，风险分析，问题平台，发展前景Abstractin the 21st century, with the rapid development of Internet finance, P2P network loan platform has gradually entered the public's line of sight, deeply loved by the public, at the same time, there are many problem platforms. First of all, it gives a brief introduction to the P2P network loan platform. At the same time, the analysis of the market operation mode and loan process of the domestic P2P network loan platform lays the foundation for the analysis of the market differences between China and the United States in the next chapter. Secondly, through the comparison between the loan and the prosper, the paper finds out the problems of the domestic P2P platform and its development direction in the future, and analyzes the risks of the domestic P2P network loan platform from three aspects of credit, finance and law, and puts forward the solutions. Furthermore, according to various data, this paper discusses the operation and problem platform of the state-owned assets P2P platform, and ...