我国P2P网络借贷平台信用风险分析及应对措施.docx

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1、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

2、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ResearchonthePersonalFinancialBusinessofCommercialBanksinChinaABSTRACTP2Pnetworklendingplatformisther

3、iseoftheUKin2005ofafinancialmodel.Thefinancialmodelcommitmenttoconnectinternetandfolklendingandmergeintoanewnetworkofcredit,thelendingprocessmoreconvenientandrapidemergenceofP2Pnetworklendingplatformbytheblitzofthebroadmassesofthepeople,ourcountryin2007,accordingtothesamepatternfoundedChina,sfirstne

4、tworkofcreditplatformpatloan,ChinasnetworkofbusinesscredithassincetherapiddevelopmentandthevacancyofmicrofinanceinChinabroughtgoodnews.ThispapermainlystudiesthecreditriskproblemsandmeasuresofP2Pnetworklendingplatform.Firstofall,thispaperintroducestheconceptoftheobjectP2Pnetworklendingplatformandindu

5、strybackground.Secondly,themodelofP2Pnetworkloanathomeandabroadisanalyzed.Thirdly,itdescribethedevelopmentofP2PnetworkloaninChinaisdiscussedindetail.Again,toPPDaiasanexample,thispaperanalyzestheproblemsexistingintheP2Pnetworkloaninourcountry,whichincludesriskpreventionandcontrol,forgeryofinformation

6、,illegalactivities,theriskofdefaultsbyclients,lackofregulationandsupervisionofthefundmanagementofnetloancompany,reserveproblem,creditproblemandnetworksecurityrisk.Finally,givesrelevantmethods.Inthispaper,throughtheanalysisofcreditriskofP2Pnetloanplatform,wecaninitiallygetsomecopingstrategies.Toimpro

7、vetheloansuccessrateofP2Pnetloanplatform,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

8、.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

9、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

10、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 Developmentbac

11、kgroundofP2Pnetworklendingplatform21.2.1 CharacteristicsofP2Pnetworklendingplatform21.2.2 P2Pnetworklendingplatformoperatingmodel21.2.3 TheoppositeeffectofP2Pnetworklendingplatform22 AnalysisofthemodelofP2Pnetloaninourcountryandforeigncountry42.1 ThemodelofP2Pnetloaninourcountry42.1.1 Compoundmedium

12、type42.1.2 Simpleintermediarytype42.1.3 Non-profitpublicwelfare52.2 ThemodelofP2Pnetloaninforeigncountries52.2.1 Simpleintermediarytype52.2.2 Compoundmediumtype62.2.3 Non-profitpublicwelfare63 AnoverviewofthedevelopmentofP2PnetworkloaninChina73.1 ThedevelopmentofP2PnetloaninChina73.1.1 Initialstageo

13、fdevelopmentwithcreditloan73.1.2 Therapidexpansionphaseofregionalloan73.1.3 Theriskofselffinancinghighinterestmainlyoutbreakstage73.1.4 Regulatorypoliciestoregulatethestageofpolicyadjustment73.2 BasicoverviewofP2PnetworkloaninChina83.2.1 ThedevelopmentplatformofP2PnetworkloaninChina83.2.2 Theservice

14、modelofP2Pnetloaninourcountry83.2.3 Thewaytotransferthefundsofthenetworkloaninourcountry83.3 ThedevelopmenttrendofP2PnetworkloaninChina93.3.1 Therapiddevelopmentofthenumberofplatformsandincreasingtheamountoftransactions93.3.2 Platformmodegraduallydiversified93.3.3 Platformoperationqualitydifferentia

15、tion93.3.4 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