本科论文摘 要随着经济和互联网技术的发展以及民间借贷需求的增长，P2P 网络借贷系统开始发展起来。新形式的网络借贷迅速发展弥合了传统金融体系的空白，使广大投资者和借款人从中受益，交易规模也在迅速扩大，相应的政策也在不断完善。然而，P2P 网络借贷的风险与监管在我国的发展也存在着一定的问题与风险。由于问题平台的非法操作和缺乏行业法规等问题，近年来，P2P 网络借贷平台的发展弊端经常发生。为了进一步改善旨在提供信贷服务和避免给投资者造成严重伤害的 P2P 网络借贷的风险管理，国家明确规定了关键要素，需要出台相关法律以加强纪律。本文研究了 P2P 网络中的借款风险问题，并就如何改善对 P2P 网络的借贷监管提出了一些建议。关键字：P2P 网络借贷平台，金融风险，风险监管，风险防范本科论文AbstractWith the development of economy and Internet technology, as well as the growth of private lending demand, P2P online lending system began to develop. The rapid development of new forms of online lending has bridged the gap in the traditional financial system and benefited the majority of investors and borrowers. The transaction scale has also been expanding rapidly, and the corresponding policies have been continuously improved. However, there are some problems and risks in the development of P2P online lending. Due to the illegal operation of problematic platforms and the lack of industry regulations and other problems, the development of P2P online lending platforms often has its drawbacks in recent years. In order to further improve the risk management of P2P lending, which aims to provide credit services and avoid causing serious harm to investors, the state has specified key elements, and laws are needed to enforce discipline. This paper studies the loan risk in P2P network and puts forward some Suggestions on how to improve the supervision of P2P network.Key words ： P2P network lending platform ， Financial risk ，...
