我国P2P网络借贷平台模式及其风险研究目录摘要..........................................................................................................................................IAbstract.....................................................................................................................................II1绪论......................................................................................................................................12相关理论...............................................................................................................................22.1P2P网络借贷定义及产生原因.................................................................................22.1.1P2P网络借贷的定义.......................................................................................22.1.2P2P网络借贷产生原因...................................................................................22.2信用理论....................................................................................................................22.3信息不对称理论........................................................................................................32.4风险控制理论............................................................................................................33我国P2P网络借贷平台发展现状.......................................................................................43.1总体运营规模下滑....................................................................................................43.2网贷产品期限延长，利率下调.................................................................................43.3准入门槛提升，平台风险成本增加.........................................................................54我国P2P网络借贷平台模式存在的风险...........................................................................64.1我国P2P网络借贷平台暴露的主要风险问题.........................................................64.1.1平台资金池现象..............................................................................................64.1.2平台产品异化..................................................................................................64.1.3平台自融..........................................................................................................64.1.4平台庞氏骗局..................................................................................................74.2我国P2P网络借贷平台面临的共性风险.................................................................74.2.1信用风险..........................................................................................................74.2.2流动性风险......................................................................................................84.2.3操作风险..........................................................................................................84.2.4合规风险..........................................................................................................95针对我国P2P网络借贷平台风险的对策建议.................................................................105.1总体监管和差异化监管相结合...............................................................................105.2借贷综合流程监管.......................................................................................
