發(fā)布時(shí)間：2018-08-05 12:12

【摘要】：P2P網(wǎng)絡(luò)借貸行業(yè)在我國(guó)最初是默默發(fā)展,但進(jìn)入2010年后其獲得了爆發(fā)式的發(fā)展,數(shù)量由2010年的15家迅速增長(zhǎng)到如今的1000多家以上,截止2014年二季度,中國(guó)有P2P網(wǎng)貸公司1184家,行業(yè)總成交額達(dá)964.46億元。由于缺乏監(jiān)管,中國(guó)的P2P網(wǎng)絡(luò)信貸行業(yè)魚龍混雜,P2P網(wǎng)貸公司運(yùn)營(yíng)模式層出不窮讓人眼花繚亂,如拍拍貸的純平臺(tái)模式、宜信的債權(quán)轉(zhuǎn)讓模式、紅嶺創(chuàng)投大額融資、陸金所信貸證券化模式等,因而造成P2P網(wǎng)貸公司跑路現(xiàn)象頻繁發(fā)生。面對(duì)如此多的P2P網(wǎng)貸公司各有利弊的運(yùn)營(yíng)模式,投資者應(yīng)該如何抉擇呢?如今銀監(jiān)會(huì)已表明對(duì)P2P網(wǎng)貸行業(yè)進(jìn)行監(jiān)管,正在研究制定運(yùn)營(yíng)細(xì)則,那么哪種運(yùn)營(yíng)模式利于P2P網(wǎng)絡(luò)借貸企業(yè)的長(zhǎng)足發(fā)展,哪種運(yùn)營(yíng)模式更容易被政府監(jiān)管層所接受呢?這正是本文研究的內(nèi)容。本文主要采用文獻(xiàn)研究和比較分析法來探索哪種運(yùn)營(yíng)模式更適合在我國(guó)發(fā)展。本文主要有五章:緒論,P2P網(wǎng)絡(luò)借貸概述,P2P網(wǎng)貸企業(yè)運(yùn)營(yíng)模式及案例分析,P2P網(wǎng)貸企業(yè)存在的風(fēng)險(xiǎn)及監(jiān)管建議,結(jié)語。P2P網(wǎng)貸平臺(tái)運(yùn)營(yíng)模式及案例分析是本文的重點(diǎn),在這部分,本文選擇了國(guó)外兩家P2P網(wǎng)貸公司(Zopa、Lending Club)以及國(guó)內(nèi)四家典型運(yùn)營(yíng)模式的P2P網(wǎng)貸公司(拍拍貸、宜信、紅嶺創(chuàng)投、陸金所)進(jìn)行比較,從其借貸利率的生成、投資基金的來源、風(fēng)險(xiǎn)控制以及平臺(tái)收費(fèi)方面入手分析,結(jié)合我國(guó)金融監(jiān)管部門公開的監(jiān)管消息,本文認(rèn)為在我國(guó)陸金所模式最適宜長(zhǎng)遠(yuǎn)發(fā)展,由于其背靠金融大鱷有雄厚的金融資本以及專業(yè)的風(fēng)險(xiǎn)控制系統(tǒng),而且平臺(tái)運(yùn)作規(guī)范,不僅能使民間借貸陽光化,還能保障投資人資金安全。針對(duì)目前行業(yè)整體情況,本文指出了我國(guó)P2P網(wǎng)絡(luò)借貸企業(yè)存在的共性及特性風(fēng)險(xiǎn):而且針對(duì)這些風(fēng)險(xiǎn)提出了監(jiān)管建議。最后結(jié)語,得出了整篇文章的結(jié)論,認(rèn)為陸金所模式是最適宜長(zhǎng)遠(yuǎn)發(fā)展的模式。
[Abstract]:The P2P network lending industry initially developed silently in our country, but after entering 2010, it got explosive development. The number of P2P network lending industry has increased rapidly from 15 in 2010 to more than 1000 now. As of the second quarter of 2014, there are 1184 P2P network loan companies in China. The total turnover of the industry amounted to 96.446 billion yuan. As a result of lack of supervision, China's P2P network credit industry is a mix of P2P network lending companies operating patterns are dazzling, such as PPDAI's pure platform model, Yi Xin's debt transfer model, Hongling venture capital large amount of financing, The lufax credit securitization mode, thus causes P2P network loan company to run the road phenomenon frequently. In the face of so many P2P network lending companies have their own advantages and disadvantages of the operation model, how should investors choose? Now the CBRC has made it clear to regulate the P2P lending industry, and is studying the development of operating rules. So which operation mode is conducive to the rapid development of P2P network lending enterprises, which operation model is more easily accepted by the government regulatory layer? This is the content of this paper. This paper mainly uses literature research and comparative analysis to explore which mode of operation is more suitable for development in China. There are five chapters in this paper: introduction to P2P network loan business operation model and case study on P2P network loan enterprise risk and supervision suggestion, conclusion. P2P network loan platform operation model and case analysis are the focus of this paper, in this part, In this paper, two foreign P2P network lending companies (ZopaA lending Club) and four typical domestic P2P network lending companies (PPDAI, Yixin, Hongling Venture, lufax) are selected for comparison. Based on the analysis of risk control and platform charges, combined with the open regulatory information of China's financial regulatory authorities, this paper believes that the lufax model is the most suitable for long-term development in China. Because of its strong financial capital and professional risk control system, and the platform operating standard, it can not only make private lending sunshine, but also ensure the safety of investors' funds. In view of the current situation of the industry, this paper points out the common and characteristic risks of P2P network lending enterprises in China, and puts forward some regulatory suggestions for these risks. Finally, the conclusion is drawn that lufax model is the most suitable model for long-term development.
【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)】：F724.6;F832.4

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