本文選題：P2P網(wǎng)絡(luò)借貸 + 自律��； 參考：《安徽財經(jīng)大學》2014年碩士論文

【摘要】：P2P網(wǎng)絡(luò)借貸起源于英國,隨后在美國、加拿大、日本等發(fā)達國家迅速發(fā)展起來。我國最早的P2P平臺于2007年成立并取得了爆發(fā)式的增長,平臺數(shù)量從2008年的僅一家發(fā)展到現(xiàn)在的五百家以上。P2P網(wǎng)絡(luò)借貸是正規(guī)金融體系的有效補充,受到多數(shù)小微企業(yè)主、個體經(jīng)營者,中低收入工薪階層以及大學生的熱烈追捧。然而P2P借貸行業(yè)準入門檻相對比較低,平臺資質(zhì)參差不一,監(jiān)管上幾乎處于空白狀態(tài)。P2P網(wǎng)絡(luò)借貸飛速發(fā)展的同時,行業(yè)的隱藏風險也逐步顯現(xiàn)出來。自2011年以來,P2P平臺經(jīng)常出現(xiàn)資金鏈斷裂,借款人卷款跑路,欺詐等事件。2013年的10月,甚至出現(xiàn)了P2P平臺有史以來范圍最廣泛的倒閉浪潮。 本文首先系統(tǒng)論述了P2P網(wǎng)絡(luò)借貸快速發(fā)展的背景,指出其發(fā)展的現(xiàn)實情況、積極意義、與互聯(lián)網(wǎng)發(fā)展的關(guān)系以及其中存在的問題。其次對近期的P2P平臺倒閉平臺進行詳細的介紹,分析指出這些平臺倒閉的影響及相關(guān)監(jiān)管部門做出的對策。然后再次從缺乏監(jiān)管、平臺自身、征信體系、行業(yè)的高風險性等方面詳細地分析P2P平臺倒閉的原因。最后從行業(yè)監(jiān)管、自律、征信體系、風險控制及法律法規(guī)的完善等角度提出規(guī)范我國P2P行業(yè)發(fā)展的建議。
[Abstract]:P2P network lending originated in the United Kingdom, then developed rapidly in the United States, Canada, Japan and other developed countries. The earliest P2P platform in China was established in 2007 and has achieved a explosive growth. The number of platforms has grown from only one in 2008 to more than 500. P2P network lending is an effective supplement to the formal financial system, and has been effectively supplemented by most small and micro business owners. Self-employed, low-middle-income wage earners and college students enthusiastically sought after. However, the threshold of P2P lending industry is relatively low, the platform qualifications are different, the regulation is almost blank. P2P network lending is developing rapidly. At the same time, the hidden risks of the industry are gradually emerging. Since 2011, peer-to-peer platforms have experienced frequent financial chain breaks, borrowers scampering, fraud and so on. In October 2013, there was even the most widespread wave of failures of P2P platforms in history. Firstly, this paper systematically discusses the background of the rapid development of P2P network lending, points out the reality of its development, the positive significance, the relationship with the development of the Internet and the existing problems. Secondly, it introduces the recent P2P platform collapse in detail, and points out the impact of these platforms failure and the countermeasures made by the relevant regulatory authorities. Then the reasons of P2P platform failure are analyzed in detail from the following aspects: lack of supervision, platform itself, credit system, industry high risk and so on. Finally, from the aspects of industry supervision, self-discipline, credit system, risk control and the perfection of laws and regulations, some suggestions are put forward to standardize the development of P2P industry in China.
【學位授予單位】：安徽財經(jīng)大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.4

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