我国P2P网络借贷平台信用风险分析及应对措施.docx
摘要P2P网络借贷平台是英国在2005年兴起的一种金融的平台，该种借贷方式致力于将互联网和民间的借贷业务相连接，共同融合成一种新型的网络信贷方式，使得整个借贷过程更为快速便捷，从而方便人们的借贷过程。自P2P网络借贷平台出现之后，受到了广大民众的热捧，我国在2007年依照同样的模式创立了国内首家网络信贷平台“拍拍贷”，从此之后国内的网络信贷业务得到快速发展，并对国内小额贷款的空缺的状况带来了福音。本文主要研究了P2P网络借贷平台的信用风险问题和措施分析，首先，介绍了文章研究的对象P2P网络借贷平台概念的基础和行业背景；其次，分析了国内外P2P网络贷款的模式；再次，详细阐述了我国P2P网络贷款的发展；再次，以拍拍贷为例分析了我国P2P网络贷款中存在问题，其中包含风险的防控、信息的伪造、违法行为、客户违约产生的风险、网贷公司的资金管理缺乏规范和监督、准备金问题、征信问题、网络安全风险问题，最后针对问题提出相应措施。本文通过对p2p网贷平台的信用风险的分析,初步得出一些应对策略,对提高P2P网贷平台的贷款成功率，减少坏账率，引导其健康发展具有现实意义。关键词：P2P网络借贷信用风险应对措施ResearchonthePersonalFinancialBusinessofCommercialBanksinChinaABSTRACTP2PnetworklendingplatformistheriseoftheUKin2005ofafinancialmodel.Thefinancialmodelcommitmenttoconnectinternetandfolklendingandmergeintoanewnetworkofcredit,thelendingprocessmoreconvenientandrapidemergenceofP2Pnetworklendingplatformbytheblitzofthebroadmassesofthepeople,ourcountryin2007,accordingtothesamepatternfoundedChina,sfirstnetworkofcreditplatformpatloan,China'snetworkofbusinesscredithassincetherapiddevelopmentandthevacancyofmicrofinanceinChinabroughtgoodnews.ThispapermainlystudiesthecreditriskproblemsandmeasuresofP2Pnetworklendingplatform.Firstofall,thispaperintroducestheconceptoftheobjectP2Pnetworklendingplatformandindustrybackground.Secondly,themodelofP2Pnetworkloanathomeandabroadisanalyzed.Thirdly,itdescribethedevelopmentofP2PnetworkloaninChinaisdiscussedindetail.Again,toPPDaiasanexample,thispaperanalyzestheproblemsexistingintheP2Pnetworkloaninourcountry,whichincludesriskpreventionandcontrol,forgeryofinformation,illegalactivities,theriskofdefaultsbyclients,lackofregulationandsupervisionofthefundmanagementofnetloancompany,reserveproblem,creditproblemandnetworksecurityrisk.Finally,givesrelevantmethods.Inthispaper,throughtheanalysisofcreditriskofP2Pnetloanplatform,wecaninitiallygetsomecopingstrategies.ToimprovetheloansuccessrateofP2Pnetloanplatform,reducebaddebtrate,andguideitshealthydevelopmenthaspracticalsignificance.KeyWords:P2Pnetworklendingcreditriskrelevantmethods目录绪论1IP2P网络借贷平台的定义及其发展背景21.1 P2P网络借贷平台21.2 P2P网络借贷平台的的发展背景21.2.1 P2P网络借贷平台的特征21.2.2 P2P网络借贷平台营运模式21.2.3 P2P网络借贷平台的对立作用22我国P2P网络贷款的模式分析42.1 我国P2P网络贷款的模式42.1.1 复合中介型42.1.2 单纯中介型42.1.3 非盈利公益型52.2 国外P2P网络贷款的模式52.2.1 单纯中介型52.2.2 复合中介型62.2.3 非盈利公益型63我国P2P网络贷款的发展概述73.1 P2P网络贷款在中国的发展历程73.1.1 以信用借款为主的初始发展阶段73.1.2 以地域借款为主的快速扩张阶段73.1.3 以自融高息为主的风险爆发阶段73.1.4 以规范监管为主的政策调整阶段73.2 我国P2P网络贷款的基本概述83.2.1 我国P2P网络贷款发展平台83.2.2 我国P2P网络贷款的服务模式83.2.3 我国网络贷款的资金流转方式83.3 我国P2P网络贷款的发展趋势93.3.1 平台数量迅速发展和交易金额不断增大93.3.2 平台模式逐步多样化93.3.3 平台运行质量差异化93.3.4 受到广泛的社会关注94我国P2P网络贷款存在的问题分析一以拍拍贷为例104.1 存在的问题104.1.1 风险防控能力不足104.1.2 财务信息问题104.1.3 客户违约风险上升104.1.4 准备金问题114.1.5 网络安全风险问题114.2 针对拍拍贷网络贷款问题的对策建议124.2.1 加强政府干预和监管,完善监督体系124.2.2 建立完善的P2P网络贷款的法律规范体系124.2.3 提高P2P网络贷款平台的自律监管，加强对拍拍贷公司管理层监督124.2.4 加强信息掌握能力，加强安全技术管理134.2.5 建立完善的风险应对机制，实现多层次多角度进行监督13结论14参考文献15谢辞错误!未定义书签。China,sP2PnetworklendingplatformcreditriskanalysisandCountermeasuresContentsIntroduction11 DefinitionanddevelopmentbackgroundofP2Pnetworklendingplatform21.1 P2Pnetworklendingplatform21.2 DevelopmentbackgroundofP2Pnetworklendingplatform21.2.1 CharacteristicsofP2Pnetworklendingplatform21.2.2 P2Pnetworklendingplatformoperatingmodel21.2.3 TheoppositeeffectofP2Pnetworklendingplatform22 AnalysisofthemodelofP2Pnetloaninourcountryandforeigncountry42.1 ThemodelofP2Pnetloaninourcountry42.1.1 Compoundmediumtype42.1.2 Simpleintermediarytype42.1.3 Non-profitpublicwelfare52.2 ThemodelofP2Pnetloaninforeigncountries52.2.1 Simpleintermediarytype52.2.2 Compoundmediumtype62.2.3 Non-profitpublicwelfare63 AnoverviewofthedevelopmentofP2PnetworkloaninChina73.1 ThedevelopmentofP2PnetloaninChina73.1.1 Initialstageofdevelopmentwithcreditloan73.1.2 Therapidexpansionphaseofregionalloan73.1.3 Theriskofselffinancinghighinterestmainlyoutbreakstage73.1.4 Regulatorypoliciestoregulatethestageofpolicyadjustment73.2 BasicoverviewofP2PnetworkloaninChina83.2.1 ThedevelopmentplatformofP2PnetworkloaninChina83.2.2 TheservicemodelofP2Pnetloaninourcountry83.2.3 Thewaytotransferthefundsofthenetworkloaninourcountry83.3 ThedevelopmenttrendofP2PnetworkloaninChina93.3.1 Therapiddevelopmentofthenumberofplatformsandincreasingtheamountoftransactions93.3.2 Platformmodegraduallydiversified93.3.3 Platformoperationqualitydifferentiation93.3.4 Receivedwidespreadsocialconcern94 TheproblemsandCountermeasuresofP2PnetworkloaninChina-ppdaiasanexample104.1 TheproblemsofP2PnetworkloaninChina104.1.1 Lackofriskpreventionandcontrolability104.1.2 Financialinformationproblem104.1.3 Customerdefaultriskrise104.1.4 Reserveproblem114.1.5 Networksecurityrisk114.2 CountermeasuresandsuggestionsfortheproblemsofP2PnetworkloaninChina124.2.1 Strengthengovernmentinterventionandsupervision,improvetheSUperViSionsystem124.2.2 Establishandperfectthelegalsy
