我国P2P网贷安全问题研究..docVIP

我国P2P网贷安全问题研究 摘要 网贷平台为借贷双方提供“一站式”服务，从信息发布、资料审核到转账借款、利率计算、制定还款期限等都是由网站进行专门服务的。P2P 网络借贷平台对于促进民间金融的发展也起到了积极的推动作用。P2P 网络借贷平台之所以会在短时间内发展起来，是由其特点所决定的。虽然 P2P 网络借贷本质上属于民间借贷的一种形式，但是其依附于互联网产生，具有操作便捷、方式灵活等突出的特点，对于传统金融的补充发挥出积极的作用。用户只需进行会员注册登录，将自己的身份信息提供给后台，便可以在网站上发布自己所需信息，投己所好，达成协议，受到人们的信赖。本文基于P2P网贷理论概述的基础上，探讨P2P网贷模式存在的安全问题，分析P2P网贷安全问题产生的原因，并进一步提出P2P网贷安全问题控制的对策建议等内容。 关键词：P2P；网贷安全；对策 Abstract The net credit platform to provide one-stop service for both borrowers and lenders, from information release and literature review to transfer loan, interest rate, time limit for the payment is conducted by the website specialized services. Lending to P2P network platform to promote the development of informal finance also has played a positive role in promoting. P2P lending platform is developed in a short period of time, is determined by its characteristics. Although P2P lending in essence belongs to a form of folk lending, but its attached to the Internet, has the characteristics of convenient operation, flexible way such outstanding, the supplement of traditional finance play a positive role. Member lo gin, users only need to provide their identity information to the background, you can release you need information on the website, the oneself mood, to reach an agreement, get the trust of people. Based on the introduction to the theory of P2P network to borrow on the basis of the security problems of P2P network model, to analyze the causes of P2P network credit security issues, and further puts forward countermeasures and Suggestions of P2P network security control loan, etc. Key words: peer-to-peer (P2P); Net credit security; countermeasures 目录 摘要 1 Abstract 2 一、P2P网贷相关理论概述 4 （一）P2P的基本概念界定 4 （二）我国P2P网贷发展状况概述 4 （三）P2P网贷模式的运作 5 （四） 逾期率分析? 6 二、 我国P2P网贷存在的问题及原因 6 （一）P2P网贷安全风险问题 7 1 法律漏洞导致的法律监管风险 7 2 信息科技风险 7 3 操作风险 7 4 信用风险 7 5 政策风险 8 （二）P2P网贷安全问题产生的原因 8 1 安全风险产生的外部原因 8 2 风险产生的内部原因 9 三、 P2P网贷安全问题控制的对策建议 10 （一）加强金融知识宣传力度 10 （二）强化投资者风险意识 10 （三）走规范化经营路线 11 （四）建立完善的网