P2P网贷风险分析及对策研究 会计学专业VIP专享

摘要由于互联网金融的快速发展，其衍生出的金融产品和金融服务日益增多，其中最具代表性的 P2P 网贷也正在以惊人的势头蓬勃发展。随着越来越多的人了解并进入 P2P 网贷行业，P2P 网贷平台也正层出不穷，其暴露出的风险也带来严峻考验。本文旨在发现 P2P 网贷在目前的发展过程中面临的风险问题并提出有效的对策措施，使其能够一定程度的解决已经显现的风险以及提前预防可能发生的风险问题，以带来良好的社会效益。本文在文献综述的基础上，基于信息不对称理论、道德风险理论、信贷配给理论和风险管理理论等理论基础，首先对互联网金融、P2P 网贷和 P2P 网贷风险进行概念界定。其次，将通过文献搜集法、定性分析法和案例分析法对 P2P 网贷的发展现状进行研究讨论。在此基础上，总结分析了 P2P 网贷存在着信用风险、信息不全甚至虚假风险、网络诈骗风险、高额利息风险、贷款信息无限制风险、无担保无追债风险、合同无面签风险等问题。接着，结合 P2P 网贷的特点，总结了其风险问题的成因。最后，从宏观和微观两个层面对 P2P 网贷风险问题提出对策，宏观上分别从政府、市场和政策法规方面提出对策，微观上分别从行业自律、平台自身、民众自身和技术条件方面给予解决方案。关键词：P2P 网贷，网贷风险，债务人，风险分析，控制和预防abstractDue to the rapid development of Internet finance, the financial products and financial services are becoming more and more popular. The most representative P2P loan is also developing with alarming momentum. As more and more people understand and enter the P2P network loan industry, P2P network loan platform is also emerging, the risk of exposure also brought a severe test. The purpose of this paper is to find out the risk problems faced by P2P network loan in the current development process and put forward effective measures to solve the existing risks and to prevent possible risks in order to bring about good social benefit.Based on the literature review, this paper first defines the concept of Internet finance, P2P loan and P2P loan risk based on the theoretical basis of informa...