PP网络借贷存在的风险及应对策略.解析.doc

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 6796797699 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