本文選題：P2P + 風(fēng)險(xiǎn)��； 參考：《遼寧大學(xué)》2016年碩士論文

【摘要】：P2P網(wǎng)絡(luò)借貸以互聯(lián)網(wǎng)技術(shù)作為支撐,使得個(gè)人與個(gè)人之間的信息溝通、資源分享和資金融通變得更為便利與快捷,為很多無法從銀行和其他借貸機(jī)構(gòu)獲取資金的融資者提供了一條新的融資渠道。自2005年誕生以來,P2P這種金融創(chuàng)新模式得到了市場(chǎng)的普遍認(rèn)可,并且在世界范圍內(nèi)迅速傳播。鑒于世界各國(guó)現(xiàn)行的的法律法規(guī)和經(jīng)濟(jì)形式不盡相同,P2P網(wǎng)絡(luò)借貸在各個(gè)國(guó)家的本土化進(jìn)程與運(yùn)營(yíng)模式也各有不同。當(dāng)前,基于傳統(tǒng)形態(tài)的我國(guó)網(wǎng)絡(luò)借貸行業(yè)也衍變出了眾多各有特色的“中國(guó)形態(tài)”,相較最初的傳統(tǒng)形態(tài)而言,發(fā)生了一定程度的模式轉(zhuǎn)變,給網(wǎng)絡(luò)借貸行業(yè)的內(nèi)部風(fēng)險(xiǎn)管理和外部金融監(jiān)管變?cè)黾恿瞬恍〉碾y度。我國(guó)金融監(jiān)管部門對(duì)P2P等新的金融發(fā)展形式的態(tài)度是傾向于承認(rèn)其合法性,并呼吁其陽光發(fā)展。而這種對(duì)網(wǎng)絡(luò)借貸行業(yè)的發(fā)展保持一定程度上容忍的態(tài)度,卻是一把雙刃劍,在促使該行業(yè)在國(guó)內(nèi)迅猛發(fā)展的同時(shí),也逐步使得該行業(yè)的種種風(fēng)險(xiǎn)隱患一一暴露出來。中國(guó)互聯(lián)網(wǎng)金融的不斷發(fā)展,使得P2P在本土化的運(yùn)營(yíng)過程中,諸多水土不服現(xiàn)象開始凸顯。最直接的表現(xiàn)是“違約”頻現(xiàn),“跑路”爆發(fā)。因?yàn)閷?duì)P2P監(jiān)管的主體機(jī)構(gòu)剛剛被確立,還沒有建立起相對(duì)完善規(guī)章制度,再者其行業(yè)內(nèi)的風(fēng)控手段較為單一,大量的粗制平臺(tái)涌入P2P行業(yè),為行業(yè)的陽光有序發(fā)展蒙上了一層陰影。為此,提高對(duì)P2P網(wǎng)絡(luò)借貸平臺(tái)的風(fēng)險(xiǎn)管控水平,成為了亟需解決的首要任務(wù)。2015年是P2P網(wǎng)絡(luò)借貸行業(yè)飛速發(fā)展的一年,國(guó)內(nèi)新平臺(tái)數(shù)量屢創(chuàng)新高,借貸資金規(guī)模突破萬億元,參與人數(shù)之眾不斷刷新,P2P平臺(tái)在全國(guó)多個(gè)省份落地開花,乍看上去是一片欣欣向榮的景象。但是,2015年同樣是P2P網(wǎng)絡(luò)借貸行業(yè)問題集中爆發(fā)的一年,無論是從問題平臺(tái)數(shù)量還是涉及資金規(guī)模來說,都較2014年有了幾何倍的增長(zhǎng),這一情況在不斷對(duì)民眾因股市熊市導(dǎo)致的本就脆弱的風(fēng)險(xiǎn)承受能力和投資信心進(jìn)行打擊的同時(shí),也一遍又一遍地挑戰(zhàn)著監(jiān)管者的底線。應(yīng)該說,P2P網(wǎng)絡(luò)借貸行業(yè)的拐點(diǎn)就在眼前,要想革除積弊而不是就此沉淪,行業(yè)平臺(tái)、監(jiān)管者和投資者們還有很長(zhǎng)的一段路要走。本文從近年來我國(guó)P2P行業(yè)的發(fā)展?fàn)顩r著眼,分析在P2P行業(yè)欣欣向榮的表象之下所掩蓋的種種風(fēng)險(xiǎn)積弊、成因及影響,并對(duì)我國(guó)P2P網(wǎng)絡(luò)借貸行業(yè)的風(fēng)險(xiǎn)防范提出了一定的建議,以期本行業(yè)能夠陽光、有序、穩(wěn)定地發(fā)展。
[Abstract]:P2P network lending is supported by Internet technology, which makes information communication, resource sharing and financing between individuals more convenient and faster. It provides a new source of financing for many who cannot access funds from banks and other lending institutions. Since its birth in 2005, Peer-to-Peer (P2P), a financial innovation model, has been widely accepted in the market and spread rapidly all over the world. In view of the fact that the current laws, regulations and economic forms of various countries are different, the localization process and operation mode of P2P network lending in different countries are also different. At present, China's network lending industry, based on the traditional form, has also evolved a large number of "Chinese forms" with its own characteristics. Compared with the original traditional forms, there has been a certain degree of pattern change. Network lending industry to the internal risk management and external financial regulation has increased the difficulty. The attitude of China's financial supervision department towards P2P and other new forms of financial development tends to recognize its legitimacy and call for its sunny development. However, this attitude of tolerance to the development of network lending industry is a double-edged sword, which promotes the rapid development of the industry in China, but also gradually exposes all kinds of risks and hidden dangers in the industry. With the continuous development of Internet finance in China, P2P in the local operation process, a lot of local phenomenon began to highlight. The most direct expression is the frequent occurrence of default and the outbreak of runaway. Because the main body of P2P supervision has just been established, it has not yet set up relatively perfect regulations and regulations, moreover, the wind control means in its industry are relatively single, and a large number of crude platforms pour into the P2P industry. For the industry's orderly development of the sun cast a shadow. Therefore, improving the risk control level of P2P network lending platform has become the first task that needs to be solved. 2015 is a year of rapid development of P2P network lending industry. The number of new domestic platforms has repeatedly reached new highs, and the scale of borrowing funds has exceeded trillion yuan. At first glance, the number of people involved in peer-to-peer platforms has blossomed in several provinces across the country. But 2015 was also a year of concentrated problems in the P2P online lending industry, which has grown exponentially since 2014, both in terms of the number of troubled platforms and the amount of money involved. While continuing to undermine the already fragile risk tolerance and investment confidence caused by the bear market in the stock market, the situation is challenging regulators' bottom line again and again. It should be said that P2P network lending industry inflection point in front of the corner, if you want to get rid of the legacy rather than sink, industry platform, regulators and investors still have a long way to go. Based on the development of P2P industry in China in recent years, this paper analyzes the risks, causes and influences hidden by the flourishing P2P industry, and puts forward some suggestions for the risk prevention of P2P network lending industry in China. With a view to the industry can sunshine, orderly and stable development.
【學(xué)位授予單位】：遼寧大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2016
【分類號(hào)】：F724.6;F832.4

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本文編號(hào)：1947525