本文關(guān)鍵詞： P2P網(wǎng)絡(luò)貸款 P2P網(wǎng)絡(luò)貸款平臺(tái) 問題和對(duì)策研究　出處：《廣西大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：2005年,一種名為P2P網(wǎng)絡(luò)貸款的全新信貸模式在英國誕生,它是一種將互聯(lián)網(wǎng)的便利和民間借貸高度融合的新興業(yè)務(wù)模式。在P2P網(wǎng)絡(luò)貸款出現(xiàn)以后,它立刻成為了炙手可熱的貸款模式。2007年,拍拍貸成為中國國內(nèi)第一個(gè)P2P網(wǎng)絡(luò)借貸平臺(tái),在這以后,我國的P2P網(wǎng)絡(luò)貸款業(yè)務(wù)發(fā)展迅猛,迅速填補(bǔ)了我國小額貸款的空白。P2P網(wǎng)絡(luò)貸款為我國的借貸市場(chǎng)帶來了繁榮和活力,但同時(shí)因?yàn)楫?dāng)局監(jiān)管不當(dāng)、行業(yè)管理不規(guī)范、法律不完善等問題,該行業(yè)的發(fā)展引起社會(huì)上的熱議和質(zhì)疑。文章以信用體系理論、功能性金融理論為理論基礎(chǔ),通過介紹國內(nèi)P2P網(wǎng)絡(luò)貸款的發(fā)展歷史和現(xiàn)狀,對(duì)比國內(nèi)外發(fā)展成熟的P2P網(wǎng)絡(luò)借貸平臺(tái)的營運(yùn)模式,深入分析各種類型P2P網(wǎng)絡(luò)貸款的運(yùn)營特點(diǎn),通過分析我國P2P網(wǎng)絡(luò)貸款發(fā)展的監(jiān)管現(xiàn)狀及存在的風(fēng)險(xiǎn),提出完善我國P2P網(wǎng)絡(luò)貸款的對(duì)策及建議,從而促進(jìn)其健康有序發(fā)展。 文章共分為五章來論述： 第一章,緒論,包括文章的研究意義、研究內(nèi)容和方法、相關(guān)理論基礎(chǔ)、創(chuàng)新之處和不足等。 第二章,介紹國內(nèi)外P2P網(wǎng)絡(luò)借貸平臺(tái)三種類型(復(fù)合中介型、單純中介型、非盈利公益型)企業(yè)的典型代表,包括公司簡介、工作流程、收費(fèi)方式、風(fēng)險(xiǎn)控制方法、運(yùn)營特點(diǎn)等等,對(duì)各個(gè)類型的平臺(tái)的業(yè)務(wù)進(jìn)行簡要分析。 第三章,介紹P2P網(wǎng)絡(luò)貸款的起源和發(fā)展,并對(duì)國內(nèi)P2P網(wǎng)絡(luò)貸款的基本情況進(jìn)行介紹,然后分析P2P網(wǎng)絡(luò)貸款的發(fā)展態(tài)勢(shì)。 第四章,對(duì)P2P網(wǎng)絡(luò)貸款的監(jiān)管狀況進(jìn)行分析和整理,分析其運(yùn)行過程中存在的問題,譬如虛假信息、非法行為、征信問題等等,為下一章提出P2P網(wǎng)絡(luò)貸款存在問題的對(duì)策建議做好準(zhǔn)備。 第五章,結(jié)合前面論述的基礎(chǔ)上,筆者提出了P2P網(wǎng)絡(luò)貸款存在問題的對(duì)策和建議,包括加強(qiáng)信息披露、完善法律法規(guī)體系、完善個(gè)人征信體系等。
[Abstract]:In 2005, a new credit model named P2P network loan was born in Britain. It is a new business model that integrates the convenience of the Internet and private lending. After the emergence of P2P network loan, In 2007, PPDAI became the first P2P network lending platform in China, and since then, China's P2P network loan business has developed rapidly. P2P network loan has brought prosperity and vitality to our lending market, but at the same time, due to improper supervision by the authorities, improper industry management, imperfect laws, and so on, Based on the theory of credit system and functional finance, this paper introduces the history and present situation of P2P network loan in China. Compared with the domestic and foreign mature P2P network lending platform operating mode, in-depth analysis of various types of P2P network loan operation characteristics, through the analysis of our country P2P network loan development regulatory status and existing risks. In order to promote the healthy and orderly development of P2P network loan in China, the countermeasures and suggestions are put forward. The article is divided into five chapters to discuss:. The first chapter, introduction, includes the research significance, research contents and methods, relevant theoretical basis, innovations and shortcomings. The second chapter introduces three types of P2P network lending platform at home and abroad (compound intermediary type, simple intermediary type, non-profit public welfare type) enterprise typical representatives, including company profile, workflow, charging methods, risk control methods, Operation characteristics and so on, to each type of platform business brief analysis. The third chapter introduces the origin and development of P2P network loan, introduces the basic situation of domestic P2P network loan, and then analyzes the development trend of P2P network loan. Chapter 4th analyzes and collates the supervision of P2P network loans, analyzes the problems existing in its operation, such as false information, illegal behavior, credit investigation and so on. In the next chapter, the countermeasures and suggestions of P2P network loan problems are proposed. In Chapter 5th, based on the previous discussion, the author puts forward the countermeasures and suggestions for the problems of P2P network loan, including strengthening information disclosure, perfecting the system of laws and regulations, perfecting the system of personal credit information, and so on.
【學(xué)位授予單位】：廣西大學(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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