本文關(guān)鍵詞： P2P網(wǎng)貸 無擔(dān)保模式 監(jiān)管　出處：《華中科技大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：P2P網(wǎng)絡(luò)信貸平臺(tái)是互聯(lián)網(wǎng)金融與民間金融相互結(jié)合的產(chǎn)物,它超越了傳統(tǒng)熟人社會(huì)的限制,將傳統(tǒng)民間借貸的范圍延伸,彌補(bǔ)了傳統(tǒng)金融的短板,對(duì)普惠金融和民主金融價(jià)值的實(shí)現(xiàn)具有重要的現(xiàn)實(shí)意義。而作為P2P網(wǎng)貸模式中的一種——無擔(dān)保模式,在英美發(fā)達(dá)國家中是以互聯(lián)網(wǎng)信貸主流模式而運(yùn)行的,但這一模式引入中國后卻沒有較大的發(fā)展勢(shì)頭。2007年,拍拍貸作為美國prosper公司模式的復(fù)制品在中國成立運(yùn)行后,運(yùn)營交易量5年累計(jì)達(dá)到4億元,本應(yīng)具有先發(fā)優(yōu)勢(shì)的它,卻不敵有擔(dān)保模式的代表紅嶺創(chuàng)投,其自2009年成立以來累計(jì)交易額已達(dá)41億多。因此,本文從英國與美國無擔(dān)保模式與監(jiān)管出發(fā)進(jìn)行研究,以進(jìn)一步分析無擔(dān)保模式在中國發(fā)展的模式與監(jiān)管制度建設(shè)。本文首先在系統(tǒng)歸納總結(jié)國內(nèi)外相關(guān)文獻(xiàn)的基礎(chǔ)上,研究了P2P網(wǎng)貸的概念、現(xiàn)狀、特點(diǎn)、風(fēng)險(xiǎn)等理論基礎(chǔ)。其次,以美國prosper、英國Zopa、中國拍拍貸為例進(jìn)行比較研究,發(fā)現(xiàn)國內(nèi)外P2P無擔(dān)保網(wǎng)貸模式在定位、運(yùn)行機(jī)制、收費(fèi)上存在差異。再次,對(duì)美、英、中P2P網(wǎng)貸無擔(dān)保模式的監(jiān)管進(jìn)行比較研究,發(fā)現(xiàn)他們?cè)谀繕?biāo)、類型、規(guī)則上存在差異。最后,在上述研究基礎(chǔ)了提出了應(yīng)從定位于合理引導(dǎo)借貸雙方的投融資行為、建立以信用為基礎(chǔ)的運(yùn)行機(jī)制、強(qiáng)大的技術(shù)支持保障業(yè)務(wù)的實(shí)現(xiàn)等三方面出發(fā)完善我國P2P無擔(dān)保模式,及從確立監(jiān)管目標(biāo)、以消費(fèi)者保護(hù)為監(jiān)管目標(biāo)、設(shè)置負(fù)面清單機(jī)制、推動(dòng)金融監(jiān)管現(xiàn)代化等四方面出發(fā)完善我國P2P無擔(dān)保模式的監(jiān)管,從而推動(dòng)我國P2P網(wǎng)貸無擔(dān)保模式的發(fā)展。
[Abstract]:P2P network credit platform is the product of the combination of Internet finance and folk finance. It surmounts the limitation of traditional acquaintance society, extends the scope of traditional folk loan, and makes up for the shortcoming of traditional finance. It is of great practical significance to realize the value of inclusive finance and democratic finance. As a kind of P2P network loan model, the unsecured mode is run by the mainstream mode of Internet credit in the developed countries of the United States and the United States. In 2007, PPDAI, as a replica of the prosper model of the United States, set up and operated in China, with a cumulative trading volume of 400 million yuan in five years, which was supposed to have a first-mover advantage. However, the representative of Hongling Venture, which has lost the guarantee mode, has accumulated more than 4.1 billion transactions since its establishment in 2009. Therefore, this paper makes a study on the unsecured model and regulation in the United Kingdom and the United States. In order to further analyze the development of unsecured model in China and regulatory system construction. Firstly, based on the systematic summary of domestic and foreign literature, this paper studies the concept, current situation, characteristics, risk and other theoretical basis of P2P network loan. Taking Prospera, Zopaa and PPDAI of China as examples, we find that there are differences in the location, operation mechanism and charge of P2P unsecured network loan modes at home and abroad. Thirdly, to the United States, Britain, the United States, the United Kingdom, the United States, the United Kingdom, the United States, the United Kingdom, A comparative study of the unsecured mode of P2P loan in China shows that there are differences in objectives, types and rules. Finally, based on the above research, the author puts forward that the investment and financing behavior of both parties should be guided reasonably. Establishing the operation mechanism based on credit, realizing the service of strong technical support, perfecting the unsecured mode of P2P in our country, and setting up the negative list mechanism from the view of establishing the supervision target, taking consumer protection as the supervision target, and setting up the negative list mechanism. In order to promote the development of the unsecured mode of P2P network loan in China, we should improve the supervision of P2P unsecured mode in four aspects, such as the modernization of financial supervision and so on.
【學(xué)位授予單位】：華中科技大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.4;F724.6

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