P2P风险与防范解读.doc

网络借贷的风险及防范措施研究 [摘要] 进入21世纪，互联网技术的发展迅速且成熟。互联网开发者，开发出很多信息开放平台，用户得以不受时空限制分享和发布观点。在此背景下，互联网与现代金融借贷业务进行创新性融合，P2P网络借贷平台应运而生。本文主要叙述了由于互联网强大的信息处理能力，操作流程的程序化和透明性，以及在线社交的互动性，能够降低现代金融借贷的成本，提高借贷效率，使其成为一种互联网金融的创新模式。我国网络借贷发展迅速、规模庞大、深受投资者欢迎。随着网络借贷的不断发展，一系列问题也随之暴露出来。例如，技术风险，信用风险，法律风险，经营风险，道德风险等。面对这些风险，如何应对成了当下我们必须关注的事。加强专业知识，提高技术，完善监管体制，制定经营策略等，是我们必经的过程。通过研究，深入了解网络借贷内容，为网络借贷的持续发展建言献策是本文最重要的意义。 [关键词] 网络借贷；运营；风险控制 Research on risks and preventive measures of Network lending [Abstract] Manking enters the 21st century,the Iternet technology is speed development and matnrity. The internet developers expioited a lot of platforms that are information opening.By useing the platforms,we are not affected by time and speace limit sharing and publishing point.On this background, the Iternet combined with financial lending business, thus the peer to peer lending came into being. The following is the main content of this article.Network lending as a innovation model is simplicity and low cost due to the Iternet’s powerful information process capability and interaction.With the continuous pevelopment of Iternet lending some of their own series of questions are increasingly exposed.Such as,technology risk,legal risk,credit risk, operational risk,ethical risk and so on.Faced with those risks,we must focus on is how to deal with them.Furthering specialized knowledge,improving skills,perfecting the supervisory system and developing business strategy are what we for our part have to do.By researching,not only we can depth understanding of network lending content,but also make some suggestions on the sustainable development. [Keywords] network lending；operation；risk management 目录 前言………………………………………………………………………………………4 一、网络借贷平台的发展现状…………………………………………………………4 （一）网络借贷平台在我国的现状……………………………………………………4 1.网络借贷发展迅速………………………………………………………………5 2.我国网贷成交量大………………………………………………………………6 3.我国网贷认可度高………………………………………………………………7 4.问题平台数量激增………………………………………………………………8 二、网络借贷在我国所面临的风险………………