發(fā)布時間：2018-03-09 14:44

  本文選題：P2P　切入點：網絡借貸　出處：《河南大學》2015年碩士論文　論文類型：學位論文

【摘要】：2014年,隨著媒體曝光率的不斷攀升,P2P網絡借貸逐漸走進了人們的視線。所謂P2P,翻譯成中文就是“個人對個人”的意思,P2P網絡借貸就是互聯(lián)網和借貸相結合的產物。隨著國外P2P行業(yè)先進經驗的引進和國內互聯(lián)網及民間借貸的興起,P2P網絡借貸已經成為一種新興的不可忽視的業(yè)務模式。對于P2P這樣一個舶來品,其在國內的發(fā)展還是相當迅速的。2005年,英國的Zopa成為全球首家P2P小額貸款機構,后來美國的Prosper和Lending Club等P2P平臺相繼取得成功,這使得國內的一些金融界和IT界的人士獲得了啟發(fā)。但是因為中國的實際情況,當2007年國內首家P2P平臺——拍拍貸成立后,并沒有獲得現如今這般轟動的效應,國內不完善的征信系統(tǒng)使得照搬國外平臺的做法存在很多缺陷。正因為如此,國內后來的P2P網貸企業(yè)理所當然地進行了本土化的改進,形成了目前最流行的線上線下并行的模式。2009年到2014年P2P行業(yè)迎來爆發(fā)性的增長時期,平臺數量呈幾何增長。與此同時,對于這種本土化的改進是否背離了P2P的核心概念也引起了多方激烈的爭論。由于國內學術界對P2P借貸的研究起步較晚,其中多數是對國外P2P行業(yè)經驗的論述,對于國內P2P行業(yè)的發(fā)展也多以介紹性的研究居多,且這些文獻大多數是從宏觀上去闡述的。因此,本文的初衷就是通過對國內外P2P行業(yè)諸多方面的比較分析,把隱藏在宏觀角度下的問題找出來,試圖找出國內P2P行業(yè)未來發(fā)展的方向。本文的后一部分主要闡述了P2P行業(yè)面臨的一個最主要的問題——風險控制。當然行業(yè)的風險控制離不開監(jiān)管,只有明確的監(jiān)管政策出臺后P2P行業(yè)才算是真正迎來自己的春天。通過國內外P2P行業(yè)的比較分析,本文主要有以下建議:(1)國內的P2P行業(yè)是傳統(tǒng)金融機構的有效補充,對于解決普通人和小微企業(yè)的融資困難有著不可比擬的優(yōu)勢,因此政府不應“一刀切”,而是應該及時出臺相關法律法規(guī),引導行業(yè)走向陽光。(2)國內P2P平臺的風控能力有待提高,各平臺應把眼光放的長遠一些,以平臺用戶的利益為根本,在風險控制方面加大資金和人員的投入。(3)P2P行業(yè)需要自律更需要監(jiān)管,一個新興的行業(yè)如果缺少有力的政策指導是很難發(fā)展壯大的,政府對于P2P行業(yè)監(jiān)管政策的出臺將成為有實力P2P平臺的一大助力。本文創(chuàng)新:(1)研究對象屬于新興市場主體和模式。(2)研究角度新穎、內容深入。
[Abstract]:2014, With the increasing media exposure, P2P network lending has gradually come to the attention of people. P2P network lending is the product of the combination of Internet and lending with the meaning of "personal to individual" translated into Chinese. The introduction of advanced experience in foreign P2P industry and the rise of domestic Internet and private lending. P2P network lending has become a new business model that can not be ignored. In 2005, Zopa in Britain became the first P2P microfinance institution in the world. Later, Prosper, Lending Club and other P2P platforms in the United States succeeded one after another. This has inspired some people in the domestic financial and IT circles. But because of the actual situation in China, when PPDAI, the country's first P2P platform, was founded in 2007, it did not gain the sensational effect that it is now. The imperfect credit information system in China makes the practice of copying foreign platforms have a lot of defects. Because of this, the domestic P2P network lending enterprises naturally made local improvements. From 2009 to 2014, the P2P industry ushered in an explosive period of growth, with the number of platforms growing exponentially. Whether the localization of the improvement deviates from the core concept of P2P has also aroused fierce controversy. Since the domestic academic research on P2P lending started relatively late, most of them are the exposition of foreign P2P industry experience. For the development of domestic P2P industry, the majority of the introductory research, and most of these documents are from the macro point of view. Therefore, the original intention of this paper is through the comparative analysis of many aspects of P2P industry at home and abroad. To find out the problems hidden in the macro perspective, This paper tries to find out the future development direction of domestic P2P industry. The last part of this paper mainly describes the most important problem facing P2P industry-risk control. Of course, the risk control of the industry can not be separated from supervision. Only after the introduction of a clear regulatory policy can the P2P industry really usher in its own spring. Through the comparative analysis of the domestic and foreign P2P industry, this paper mainly has the following suggestions: 1) the domestic P2P industry is an effective supplement to the traditional financial institutions. There is an incomparable advantage to solve the financing difficulties of ordinary people and small and micro enterprises. Therefore, the government should not "cut one size fits all", but should introduce relevant laws and regulations in time to guide the industry to Sunshine. 2) the risk control ability of domestic P2P platform needs to be improved. Each platform should take a long-term view, take the interests of users of the platform as the foundation, and increase the investment of funds and personnel in risk control. P2P industry needs self-discipline and more supervision. It is difficult for an emerging industry to grow without strong policy guidance. The introduction of government regulation policy for P2P industry will become a powerful P2P platform. The research object of this paper belongs to the emerging market main body and model. 2) the research angle is novel and the content is deep.
【學位授予單位】：河南大學
【學位級別】：碩士
【學位授予年份】：2015
【分類號】：F832.4;F724.6

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本文編號：1588974