国内P2P信贷现况与发展前景分析..docVIP

国内P2P信贷发展现况与发展前景分析  目 录 摘 要 1 Abstract 2 1 绪 论 4 1.1 选题背景和理论意义 4 1.2 文献综述 5 1.3 研究方法与设计 11 1.4 研究内容 12 2.国内P2P信贷发展现况 13 2.1 P2P信贷的基本介绍 13 2.2信用评定体系不完善 15 2.3盈利模式不清晰 17 2.4风险识别能力有待提高 18 3.对国内P2P信贷的发展前景分析 20 3.1互联网技术将为P2P信用计算提供支撑 20 3.2线下金融机构与线上产品融合 20 3.3传统金融机构将成为P2P信贷的主要参与者 21 4.结语 21 参考文献 22 摘 要 P2P信贷即网络信贷，具有小额、无担保、快捷、网络化的特点，又被称作“草根”金融模式。P2P信贷模式在全球范围内发展迅猛，迸发出强劲的生命力，近几年我国也相继诞生了上千家P2P信贷平台。 向上追溯，P2P其实是一种原始的信贷模式，其产生应该是基于个人和个人之间的信任或实物抵押，这种个人信用天生就是一种小额信用贷款。随着信贷需求的不断增加，原始的P2P不再能满足发展的需要，把个人的资金集合成起来提供给需要信贷的人们的专业金融机构产生，提高了交易效率，降低了交易成本。但由于金融机构切断了供需双方个人之间的信息联系，增加了金融风险，在采用抵押担保等措施降低风险时，又将无法提供抵押担保条件的借款人排斥在金融服务的门外。现代信息技术极大提高了信息传播的速度和覆盖面，极大降低了信息传播的成本，因此使得原始的P2P信贷方式得以重构为现代P2P模式，即基于信息平台的个人对个人的信贷。 本文通过对国内较具特色的P2P信贷公司进行研究，分析其发展中面临的盈利难题和滞后的行业规范问题，对之后发展的前景做出社会化信息平台会带来多赢效应，传统金融机构会成为P2P的主力军以及市场规范步伐加快的展望。 关键词：P2P，人人贷，互联网金融 Abstract P2P credit is the network of credit, with a small, unguaranteed, fast, networked characteristics, also known as grassroots financial model. P2P credit model is developing rapidly on a global scale, burst out of a strong vitality, In recent years China have been born thousands of P2P credit platform. Drill up, P2P is a primitive credit model, which produces should be based on trust between individuals and or physical collateral, this kind of personal credit is inherently a micro-credit loans. With the increasing demand for credit, the original P2P is no longer able to meet the needs of the development, the synthesis of personal funds set up to provide to the people in need of credit from financial institutions, improve transaction efficiency, reduce transaction costs. However, due to the financial institutions to cut both supply and demand information between individuals, increasing the financial risks, to increase the financial risks, secured by mortgage and other measures to reduce the risk, in turn be excluded from the borrower outside financial services,Modern information technology greatly improve the speed of information dis