本文選題：P2P + 網(wǎng)絡(luò)借貸　； 參考：《浙江大學(xué)》2017年碩士論文

【摘要】：互聯(lián)網(wǎng)和民間借貸開始迅速發(fā)展,P2P借貸行業(yè)在近幾年出現(xiàn),并開始迅速地發(fā)展起來。與其他傳統(tǒng)金融機(jī)構(gòu)不同的是,P2P行業(yè)獨(dú)特的運(yùn)營優(yōu)勢(shì),如普惠化、碎片化、個(gè)性化,陸陸續(xù)續(xù)開始彌補(bǔ)中小企業(yè)傳統(tǒng)金融機(jī)構(gòu)之間的差距和個(gè)人借款打破了時(shí)間和空間資本與貸款的界限,有力加快市場(chǎng)經(jīng)濟(jì)的發(fā)展,使金融機(jī)構(gòu)的服務(wù)意識(shí)提高,滿足了大型小額資金量借款人的迫切需要。但是在P2P網(wǎng)絡(luò)中,由于行業(yè)的快速發(fā)展,跑路、平臺(tái)故障等問題也隨之出現(xiàn),導(dǎo)致了大量投資者遭受到嚴(yán)重的經(jīng)濟(jì)損失,導(dǎo)致中國的P2P網(wǎng)絡(luò)貸款行業(yè)整體信貸水平大幅下滑,極大地阻礙了網(wǎng)絡(luò)貸款領(lǐng)域的可持續(xù)發(fā)展與發(fā)展�？梢钥闯�,如何有效控制P2P網(wǎng)絡(luò)貸款行業(yè)的風(fēng)險(xiǎn)是當(dāng)前迫切需要解決的關(guān)鍵問題。本文在梳理國內(nèi)外相關(guān)問題文獻(xiàn)的基礎(chǔ)上,詳細(xì)分析探討了我國網(wǎng)絡(luò)借貸行業(yè)的發(fā)展歷程及現(xiàn)狀,并總結(jié)歸納出我國P2P平臺(tái)的特點(diǎn)與存在的風(fēng)險(xiǎn);針對(duì)當(dāng)下我國P2P平臺(tái)的跑路現(xiàn)象,從宏觀上研究分析其存在的主要風(fēng)險(xiǎn)因素。借鑒國際經(jīng)驗(yàn),并以風(fēng)險(xiǎn)控制較為健全的陸金所為例,提出了未來該如何更好促進(jìn)中國P2P網(wǎng)貸行業(yè)規(guī)范化發(fā)展若干政策建議。通過本文的研究,不僅豐富了針對(duì)互聯(lián)網(wǎng)金融相關(guān)問題的理論研究,同時(shí)還對(duì)規(guī)范發(fā)展包括P2P網(wǎng)絡(luò)借貸平臺(tái)的互聯(lián)網(wǎng)金融具有實(shí)際意義。本文的創(chuàng)新之處在于研究對(duì)象是我國金融市場(chǎng)的新生事物,也是互聯(lián)網(wǎng)金融的最新產(chǎn)物,具有強(qiáng)大的市場(chǎng)沖擊力。
[Abstract]:The Internet and private lending began to develop rapidly, and the P2P lending industry appeared in recent years and began to develop rapidly. Unlike other traditional financial institutions, the unique operational advantages of the P2P industry, such as inclusive, fragmented, personalized, and continuing to make up for the gap between the traditional financial institutions of small and medium-sized enterprises and personal loans. Break the time and the boundary between the space capital and the loan, speed up the development of the market economy, improve the service consciousness of the financial institutions, and meet the urgent need of the large amount of small amount of money borrowers. But in the P2P network, the rapid development of the industry, the running road, the platform failure and so on, have caused a large number of investors to suffer. The serious economic loss has led to a sharp decline in the overall credit level of the P2P network loan industry in China, which has greatly hindered the sustainable development and development of the network loan field. It can be seen that how to effectively control the risk of the P2P network loan industry is an urgent key problem to be solved at present. This paper is to comb the related literature at home and abroad. On the basis of the detailed analysis and discussion of the development process and present situation of China's network lending industry, the characteristics and risks of the P2P platform in China are summarized and summarized. In view of the current running phenomenon of the P2P platform in China, the main risk factors are studied and analyzed from the macro level, and the international experience is borrowed and the risk control is more sound. As an example, Jin puts forward some suggestions on how to better promote the standardization development of China's P2P net loan industry in the future. Through this study, it not only enriches the theoretical research on Internet financial related issues, but also has practical significance for standardizing the development of the interconnected finance including the P2P network lending platform. The innovation of this paper is the innovation of this paper. It is a new product of China's financial market. It is also the latest product of Internet finance, and has strong market impact.

【學(xué)位授予單位】：浙江大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F724.6;F832.4

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