P2P网络借贷的发展现状、风险及对策 金融学专业

目录...................................1.........................................................................................2...............................................................3...............................................3.............................................3...........3...............................................4...................................................6...............................................6...............................................7...................................................8...........................................9.......................................................................10.............................................10.......................................................................11...................................................................................12.....................................................................................13P2P 网络借贷的发展现状、风险及对策摘 要 P2P 网络借贷（Peer to Peer Lending）是互联网创新的金融产物，互联网是借贷双方的资金融通交PAGE \* MERGEFORMAT1易的媒介。它的创造者是 2006 年诺贝尔奖得主孟加拉国的尤努斯教授。2007 年我国成立了第一家 P2P 网络借贷平台，截止到 2017 年中国有平台 5888 家，其发展势头甚是迅猛。但是其在发展过程中，存在着，政策法律风险不完善、监管风险不严、存在洗钱风险、操作存在风险、网络存在风险和信用风险等，本文针对这些风险，从政府角度、P2P 网络借贷平台角度、P2P 网络借贷行业及借贷个人等角度提出建议予以消除风险，促进 P2P 网络借贷的发展。关键字 P2P 网络借贷；风险；对策The Current Situation, Risk and Countermeasures of P2P Network Lending Abstract P2P Network Lending (Peer to Peer Lending) is an innovative Internet financial product, and the financial transactions of borrowing and lending are accomplished directly by the Internet. Its pioneering is the 2006 Nobel Prize winner in PAGE \* MERGEFORMAT1Bangladesh, Professor Yunus. 2007 China ...