P2P网络借贷存在的风险及应对策略

闽江学院

本科毕业论文(设计)

题目P2P网络借贷存在的风险及应对策略学生姓名4574577547

学号**********

系别经济与管理学院

年级2013级

专业会计学

指导教师rt765865858

职称副教授

完成日期265865868日

摘要

中小企业，不仅对我国国民经济做出了很大的贡献，而且在我国经济增长、提供就业岗位、提高农民收入、转移农村富余劳动力等方面扮演者着重要的角色。然而，我国中小企业的发展一直受融资难问题的羁绊，面临着巨大的困难。另外，近几年来，互联网金融作为互联网行业与金融业结合的产物发展势头非常迅猛，其中的典型模式——P2P借贷模式更是处在快速成长的时期。它为我国解决中小企业融资难问题注入了新的血液。与此同时由于互联网融资的成长，市场也需要一段时间去适应，还有很多需要改进。面对这一新型互联网融资模式在欢喜之余，我们有必要对其现状进行深刻地分析，并对其可能存在的风险点进行全面的梳理。本论文首先对P2P借贷平台做了一些简单的介绍，分析了P2P借贷平台在我国发展过程中存在的问题，最后，针对上述问题提出一些合理的改进建议，希望能够使得借贷平台有更好的发展。

关键字：P2P网络借贷平台;风险;对策

Abstract

The Small and Middle Enterprise(SME), not only made great contributions to the national economy in China but also play an increasingly important role in promoting economic growth, creating jobs, increasing farmers' income and transfer rural surplus labor. However, due to the restriction of the difficult loans, the development of Small and Middle Enterprise in China, has been faced with great difficulties. On the other hand, In recent years, the Internet banking as information technology and financial industry combined with the product of the rapid development momentum, caused considerable impact on our traditional financial industry, one of the typical model P2P lending model is at the "barbaric growth " stage. Which for our country to solve the problem of financing difficulties of Small and Middle Enterprise injected new blood. At the same time, with the rise of Internet finance, and market adaptation also need a period, there are many aspects should be improved. After glad to have face the new Internet financing model, it is necessary for us to deeply analysis of the present situation and problems of its and its possible risk point thoroughly.This paper is to introduction the P2P platform and the existing problems. Finally,give some suggestions for the problems.hoping to make lending platforms havea a better development.

Key words：P2P lending model; risk; countermeasure

目录

一、引言 (1)

二、互联网借贷的产生 (1)

（一）互联网借贷的模式 (1)

（二）互联网借贷产生的背景 (2)

三、P2P借贷的发展现状 (3)

（一）国内P2P借贷平台的简介 (3)

（二）国内P2P借贷平台的发展态势 (3)

四、互联网融资的风险分析 (5)

（一）P2P 网络借贷平台组织架构薄弱 (5)

（二）存在财务披露风险 (6)

（三）网络借贷平台的信用评级能力不足 (6)

（四）中间账户监管缺位风险 (7)

（五）信息技术风险 (7)

（六）缺乏相应的法律法规和监管主体 (7)

（七）行业自律发展滞后 (8)

五、互联网融资风险的防范与建议 (8)

（一）P2P 网络借贷行业的合法合规经营要求 (8)

（二）定期进行信息披露 (9)

（三）严格审查借款人的信息以提高信用评级能力 (9)

（四）对中间账户进行严格的监管 (9)

（五）加强信息技术的管理 (9)

（六）制定相应的法律法规和明确监管主体 (10)

（七）建立行业自律组织 (10)

六、结论 (11)

参考文献...................................................................................................... 错误!未定义书签。致谢 (13)