p2p网络平台风险管理论文.docxVIP

摘要 中国P2P网络贷款俗称P2P网络借款，又称网贷，指的是用户利用网络平台完成借款。P2P网络贷款顾名思义，主要依托互联网平台完成整个借贷过程，借款方将自己的贷款需要提交至P2P网络平台,投资方会进行审核，之后利用网络平台向借款方发放贷款，因此P2P网络贷款具有放贷迅速、便捷，借款方的门槛更低、投资方的收益更高等特点。P2P网络借款平台也就是向借款方发放贷款的第三方网络贷款中介机构，借款方可与投资方在平台进行自由交易。P2P网络贷款不同于传统银行贷款，借款方无需向投资方提供抵押物做信用担保，国内的中小微企业融资困难的问题得到了改善，大大促进了我国的普惠金融的发展。将金融和互联网结合已然成为当今金融界发展的必然趋势。但在我国，P2P网络贷款平台自2007年才兴起，相对于发达国家来说起步较晚，准入门槛较低，法律制度不完善，在互联网金融的快速发展中难免会产生一系列问题，这些问题的产生也极易引发金融风险，比如贷款平台跑路、倒闭、诈骗、平台故障等事件。 本文将针对国内P2P网络借贷行业的发展历程以及发展现状进行详细分析与探讨，剖析国内P2P平台展现出的特点以及所面临的风险，为日后P2P网贷行业发展提出建议，紧抓环境管理，从内部和外部同时入手，促进该行业向规范化发展，总结得出网贷平台应该从防范信用风险和加强企业内部风险管理角度出发，完善运行风险把控提升路径。 关键词：P2P； 网络借贷； 风险控制； Abstract China's P2P network loan is commonly known as P2P network loan, also known as network loan, which means that individuals borrow from each other through the network platform. P2P network loan is a way to realize the loan through the Internet. The borrower issues the loan needs on the P2P network platform, and the investor will lend the fund to the borrower through the network. P2P network loan is convenient, fast, low threshold and high income. The third-party Internet loan intermediary that provides P2P is called P2P Internet loan platform. The borrower who needs funds and the investor who has idle funds can trade freely. P2P network loan is different from the traditional bank loan, does not need collateral as credit guarantee, solves the financing problem of small and medium-sized micro enterprises, and greatly promotes the development of Inclusive Finance in China. The combination of Finance and Internet has become an inevitable trend in the development of the financial industry. However, in China, P2P network loan platform has been emerging since 2007. Compared with developed countries, it started late, the access threshold is low, and the legal system is imperfect. In the rapid development of Internet finance, a series of problems will inevitably arise, which are also easy to cause financial risks, such as loan platform running, bankruptcy, fraud, platform f