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

【摘要】：P2P網(wǎng)絡信貸平臺是互聯(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)熟人社會的限制,將傳統(tǒng)民間借貸的范圍延伸,彌補了傳統(tǒng)金融的短板,對普惠金融和民主金融價值的實現(xiàn)具有重要的現(xiàn)實意義。而作為P2P網(wǎng)貸模式中的一種——無擔保模式,在英美發(fā)達國家中是以互聯(lián)網(wǎng)信貸主流模式而運行的,但這一模式引入中國后卻沒有較大的發(fā)展勢頭。2007年,拍拍貸作為美國prosper公司模式的復制品在中國成立運行后,運營交易量5年累計達到4億元,本應具有先發(fā)優(yōu)勢的它,卻不敵有擔保模式的代表紅嶺創(chuàng)投,其自2009年成立以來累計交易額已達41億多。因此,本文從英國與美國無擔保模式與監(jiān)管出發(fā)進行研究,以進一步分析無擔保模式在中國發(fā)展的模式與監(jiān)管制度建設。本文首先在系統(tǒng)歸納總結(jié)國內(nèi)外相關(guān)文獻的基礎上,研究了P2P網(wǎng)貸的概念、現(xiàn)狀、特點、風險等理論基礎。其次,以美國prosper、英國Zopa、中國拍拍貸為例進行比較研究,發(fā)現(xiàn)國內(nèi)外P2P無擔保網(wǎng)貸模式在定位、運行機制、收費上存在差異。再次,對美、英、中P2P網(wǎng)貸無擔保模式的監(jiān)管進行比較研究,發(fā)現(xiàn)他們在目標、類型、規(guī)則上存在差異。最后,在上述研究基礎了提出了應從定位于合理引導借貸雙方的投融資行為、建立以信用為基礎的運行機制、強大的技術(shù)支持保障業(yè)務的實現(xiàn)等三方面出發(fā)完善我國P2P無擔保模式,及從確立監(jiān)管目標、以消費者保護為監(jiān)管目標、設置負面清單機制、推動金融監(jiān)管現(xiàn)代化等四方面出發(fā)完善我國P2P無擔保模式的監(jiān)管,從而推動我國P2P網(wǎng)貸無擔保模式的發(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.
【學位授予單位】：華中科技大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.4;F724.6

【參考文獻】

相關(guān)期刊論文 前10條

1 黃葉傝;齊曉雯;;網(wǎng)絡借貸中的風險控制[J];金融理論與實踐;2012年04期

2 楊新求;;我國P2P網(wǎng)絡借貸運營模式簡析[J];知識經(jīng)濟;2012年05期

3 張建軍;王志輝;梁晨;;我國網(wǎng)絡借貸中存在的問題與對策研究[J];西部金融;2012年03期

4 王紫薇;袁中華;鐘鑫;;中國P2P網(wǎng)絡小額信貸運營模式研究——基于“拍拍貸”、“宜農(nóng)貸”的案例分析[J];新金融;2012年02期

5 苗曉宇;;網(wǎng)絡P2P信貸風險與防范[J];甘肅金融;2012年02期

6 鈕明;;“草根”金融P2P信貸模式探究[J];金融理論與實踐;2012年02期

7 孫英雋;蘇顏芹;;微金融的發(fā)展趨勢:網(wǎng)絡借貸[J];科技與管理;2012年01期

8 莫易嫻;;P2P網(wǎng)絡借貸國內(nèi)外理論與實踐研究文獻綜述[J];金融理論與實踐;2011年12期

9 吳曉光;曹一;;論加強P2P網(wǎng)絡借貸平臺的監(jiān)管[J];南方金融;2011年04期

10 王毅敏;王錦;;網(wǎng)絡借貸的發(fā)展及中國實踐展望研究[J];華北金融;2011年02期

相關(guān)碩士學位論文 前1條

1 張娜;P2P網(wǎng)絡信貸行為研究[D];西南財經(jīng)大學;2011年

，

本文編號：1547645