我国P2P网络借贷行业风险控制问题浅析—以小赢网金公司为例.docxVIP

PAGE PAGE 24 摘 要 目前，P2P网络借贷，已成为民间借贷的一种新形式。然而，新事物的发展是并非一帆风顺的。国内金融体系不够健全、缺乏政府监管，网络借贷平台面临着许多问题。本文主要以中国的典型代表——小赢网金为主要介绍对象，深入分析我国P2P网贷行业的发展问题，重点分析小赢网的运营模式、风险控制模式，选取相关数据作为指标分析小赢网金流动性风险，结合新监管时代形势及平台的利弊，针对机制不健全、信用评级不完善、准入门槛低、信息披露不充分等一系列问题，从政府、投资者、运营者三个不同的角度提出了合理的建议，适应我国P2P网络借贷的发展现状，这不仅有利于更好地解决微企业及个人的筹融资问题，还能丰富投资理财产品，满足居民投资需求，“真正做到全民金融”。 关键词：P2P网络借贷平台 风险控制 小嬴网金 互联网金融 新监管时代 Abstract At present, P2P online lending has become a new form of private lending. However, the development of new things is not smooth sailing. The domestic financial system is not perfect enough, lacks the government supervision, the network loan platform faces many problems. This article mainly takes the typical representative of China —— the small win net gold as the main introduction object, deeply analyzes the development problem of the P2P net loan industry in our country, emphatically analyzes the small win net loan industry operation mode, the risk control mode, selects the related data as the index analysis small win net gold liquidity risk, unifies the new supervision era situation and the platform pros and cons, aiming at the mechanism imperfect, the credit rating imperfect, the entry threshold low, A series of problems, such as insufficient information disclosure, put forward reasonable suggestions from three different angles of government, investors and operators to adapt to the development of P2P network lending in China, which is not only conducive to better solving the problem of financing micro-enterprises and individuals, but also can enrich investment and financial products, meet the investment needs of residents, and "truly achieve universal finance ". Keywords: P2P online lending platform Risk control XiaoYing net gold Internet finance New regulatory era 目 录 TOC \o "1-2" \h \u 一、引言 1 二、P2P网络信贷行业发展现状 1 （一）我国P2P平台运营模式 1 （二）我国P2P网络借贷行业监管现状 2 （三） 我国P2P网络借贷行业运营情况 3 三、小赢网金网络信贷现状分析 6 （一） 小赢网金公司简介 6 （二） 相关数据综述 7 （三） 小赢网金平台优势分析 11 （四） 小赢网金存在的主