本文關鍵詞： P2P網(wǎng)絡借貸平臺 中介職能 成本節(jié)約 風險轉移 貸幫　出處：《湖南大學》2013年碩士論文　論文類型：學位論文

【摘要】：P2P網(wǎng)絡借貸是一種依托互聯(lián)網(wǎng)而形成的新型金融服務模式，在這種模式下，借貸雙方可以利用網(wǎng)絡實現(xiàn)借貸的認證、談判、簽約、清算、交割等過程。憑借其快捷、簡便的特點，P2P網(wǎng)絡借貸平臺自誕生之日起就在全球范圍內迅猛發(fā)展，迸發(fā)出強勁的生命力。P2P網(wǎng)絡借貸平臺的出現(xiàn)在一定程度上緩解了中小企業(yè)及個人的融資難問題，同時，它的出現(xiàn)也對監(jiān)管部門提出更高的要求，加快了金融競爭格局的變化。正確識別P2P網(wǎng)絡借貸平臺的經(jīng)濟地位能有效解決當前是否應該發(fā)展P2P網(wǎng)絡借貸平臺的爭議。本文較為全面地考察了P2P網(wǎng)絡借貸平臺的基本現(xiàn)況、發(fā)展前景，并對其基本運作原理進行了探索。然后由平臺的中介模式引出其承擔的中介職能，并用金融理論知識進一步解釋了這種職能，從而說明P2P網(wǎng)絡借貸平臺存在的合理性。在此基礎上，，通過對貸幫的調研進一步加深對問題的理解，了解我國P2P網(wǎng)絡借貸平臺中介職能的執(zhí)行效果，并針對存在的問題提出相關建設意見。本文的最大特點是以金融中介理論為基礎，從經(jīng)濟學角度解釋了網(wǎng)絡借貸平臺存在的合理性問題。在成本節(jié)約職能的分析中，運用交易成本理論分析了網(wǎng)絡借貸平臺的事前、事后交易成本；在風險轉移職能的分析中，運用金融理論構造模型，從不同視角分析平臺的風險轉移職能，最終得出結論：P2P網(wǎng)絡借貸平臺的存在是合理的，應該大力發(fā)展P2P網(wǎng)絡借貸行業(yè)。
[Abstract]:The new financial service mode of P2P network lending is a kind of relying on the Internet which, in this mode, both lenders and borrowers can achieve borrowing by network authentication, negotiation, signing, clearing, delivery and other processes. With its fast, convenient and rapid development of P2P network lending platform since the date of birth in the world in the burst out strong vitality of.P2P network lending platform to some extent alleviate the difficult problem of financing small and medium enterprises and individuals at the same time, it has also put forward higher requirements to the regulatory authorities, to speed up the change of financial competition. The correct identification of P2P network lending platform can effectively solve the current economic status should the development of P2P network lending platform controversy. This paper comprehensively reviews the basic situation, the P2P network lending platform development prospect, and its basic operation principles are discussed. Cable. Then by platform intermediary mode leads to its commitment to the intermediary functions, and use of financial theory to further explain its function, in order to explain the rationality of the existence of the P2P network lending platform. On this basis, through the investigation of the loan to help further deepen the understanding of the problem, understand China's P2P network lending platform intermediary function implementation the effect, and puts forward some suggestions to solve the existing problems. The biggest characteristic is to the financial intermediary theory, explains the rationality problem of network lending platform from the angle of economics. In the analysis of cost saving function, using the transaction cost theory to analyze the network lending platform in advance, in the risk analysis of transaction costs; the transfer function, by constructing the financial theoretical model from different angle analysis platform of risk transfer function, finally draws the conclusion: P2P network lending The existence of the platform is reasonable, and the P2P network lending industry should be vigorously developed.

【學位授予單位】：湖南大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F830.5

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