浅谈P2P网贷平台及其财务风险控制—以人人贷财富为例摘要近年来，中国受到世界金融危机的深层的影响，经济持续下滑。银行贷款越来越难，而互联网的兴起给中国的经济增添了新的活力，为中小型企业融资提供了一条新的出路。本文主要研究P2P网贷平台在中国的发展现状及其风险。首先是对于P2P网贷平台概念特点，我国P2P网贷的发展状况和运营模式的介绍。然后是通过分析人人贷的运作模式，对于的风险的管理，找出其风险管理里中的不足。然后提出对“人人贷”风险控制的对策。最后通过“人人贷”风险管理的经验分析其对我国P2P网贷平台的风险管理启示。关键词：2P网贷；风险管理；人人贷AbstractInrecentyears,Chinahasbeendeeplyaffectedbytheworldfinancialcrisis,anditseconomyhascontinuedtodecline.Bankloansarebecomingmoreandmoredifficult,andtheriseoftheInternethasaddednewvitalitytoChina'seconomyandprovidedanewwayforsmallandmedium-sizedenterprisestofinance.ThispapermainlystudiesthedevelopmentstatusandrisksofP2PonlinelendingplatforminChina.Firstly,itintroducestheconceptandcharacteristicsofP2Pnetworklendingplatform,thedevelopmentstatusandoperationmodeofP2PnetworklendinginChina.Then,throughtheanalysisoftheoperationmodeofRenrenLoan,wecanfindoutthedeficienciesintheriskmanagementofRenrenLoan.Thenitputsforwardthecountermeasurestocontroltheriskof"everyonelending".Finally,throughtheexperienceanalysisof"RenrenLoan"riskmanagement,itenlightenstheriskmanagementofChina'sP2Ponlinelendingplatform.Keywords:2PInternetloan;Riskmanagement;Renrenloan目录浅谈P2P网贷平台及其财务风险控制—以人人贷财富为例......................II摘要.................................................................IIIAbstract.........................................................................................................................................................IV一、P2P网络贷款的概述....................................................1（一）P2P网络贷款的概念.............................................................................................................................1（二）P2P网络贷款的特点...........................................................................................................................1二、我国网络贷款的发展状况..............................................2三、结合案例分析P2P网络贷款存在的财务风险...............................3（一）案例介绍................................................................................................................................................31.人人贷简介.................................................................................................................................................32.人人贷运作模式........................................................................................................................................3（二）案例中存在的财务风险........................................................................................................................51.征信系统不完善.........................................................................................................................................52.借款人群收入人低，信用等级不高........................................................................................................63.贷款利率高.................................................................................................................................................6（三）案例中人人贷对财务风险的管理及不足......
