本文選題：PP　切入點：網(wǎng)絡(luò)借貸平臺　出處：《西南金融》2015年07期 　論文類型：期刊論文

【摘要】：本文從平臺數(shù)量規(guī)模、注冊資金、注冊區(qū)域、貸款成交量、貸款綜合收益以及問題平臺等方面分析P2P網(wǎng)絡(luò)借貸平臺發(fā)展現(xiàn)狀,并總結(jié)了目前P2P網(wǎng)絡(luò)借貸平臺主要包括了純中介線上電商模式、線上線下相結(jié)合O2O模式以及債權(quán)轉(zhuǎn)讓交易模式等三種模式。在此基礎(chǔ)上,分析了P2P網(wǎng)絡(luò)借貸平臺對商業(yè)銀行在負債業(yè)務(wù)、中間業(yè)務(wù)和資產(chǎn)業(yè)務(wù)等三大業(yè)務(wù)以及商業(yè)銀行模式上產(chǎn)生深遠影響。最后對P2P網(wǎng)絡(luò)借貸平臺可持續(xù)健康發(fā)展提出了加強P2P網(wǎng)絡(luò)借貸平臺的行業(yè)自律、明確監(jiān)管主體、納入監(jiān)測體系、資金第三方托管、市場準入和退出機制、信息披露制度、資金保險制度等七個方面監(jiān)管措施建議。
[Abstract]:This paper analyzes the current situation of P2P network lending platform from the aspects of the scale of the platform, registered funds, registration area, loan volume, loan comprehensive income and problem platform, etc. And summarizes the P2P network lending platform mainly includes the pure intermediary online e-commerce model, online and offline combination of O2O mode and debt transfer transaction model, etc. On this basis, This paper analyzes the P2P network lending platform for commercial banks in debt business, Three major businesses, such as intermediary business and asset business, as well as the commercial bank model, have a profound impact. Finally, to the sustainable and healthy development of P2P network lending platform, it is proposed to strengthen the industry self-discipline of P2P network lending platform and make clear the main body of supervision. It includes seven regulatory measures including monitoring system, third party custody of funds, market access and withdrawal mechanism, information disclosure system, fund insurance system, and so on.
【作者單位】： 鹽城師范學院;
【基金】：鹽城師范學院“148”工程資助優(yōu)秀論文(項目號:YC14801)
【分類號】：F832.4;F724.6;F832.33

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本文編號：1603587