陆金所P2P发展现状及对策分析.docx

淮阴师范学院毕业论文 PAGE 1 PAGE  摘 要：随着互联网时代的到来，一种结合借贷和网络技术开展信贷的金融服务平台——P2P网络借贷平台应运而生。本文选取网络借贷平台中的佼佼者陆金所，通过对其 HYPERLINK \l _Toc24161 产品类型、 HYPERLINK \l _Toc15401 产品交易金额、 HYPERLINK \l _Toc1150 业务流程、 HYPERLINK \l _Toc12644 盈利方式等现状的分析，发现了陆金所在经营过程中很有可能面临法律、信用、网络安全等多个方面的风险。针对陆金所存在的风险和不足之处，提出了一些对策。陆金所的良好发展，可以有效满足个人及小微企业的投融资需求，还能够为投资人寻找到一种高收益的投资渠道。作为P2P行业的领军者，相信陆金所的发展方向也在某种程度上代表了P2P行业在中国的发展方向。 关键词：P2P网络借贷平台，现状，对策 Abstract: With the advent of the Internet era, a combination of credit and network technology to carry out the credit of financial services platform - P2P network lending platform came into being. This paper selects network lending platform leader Kim, through the analysis of the current situation of the type of products, products in the amount of the transaction, business process, profit mode, discovered gold in the land where the business process is likely to face the risk, such as legal risk, credit risk, liquidity risk, network security risk. In view of the risk and the deficiency of Lufax, some countermeasures are put forward. Lufaxs good development, can effectively meet the needs of individuals and small and micro enterprise investment and financing, but also for investors to find a high return on investment channels. As a leader in the P2P industry, Lufax believes that the direction of development also represents the development direction of the P2P industry in China in some extent. Keywords: P2P network lending platform, current situation, countermeasures  目 录 TOC \o 1-3 \h \z \u   HYPERLINK \l _Toc8858 1 引言  PAGEREF _Toc8858 1  HYPERLINK \l _Toc4543 2 P2P金融概述  PAGEREF _Toc4543 1  HYPERLINK \l _Toc4787 3 陆金所P2P业务发展的现状  PAGEREF _Toc4787 2  HYPERLINK \l _Toc30875 3.1 产品类型  PAGEREF _Toc30875 2  HYPERLINK \l _Toc20682 3.2 产品交易金额  PAGEREF _Toc20682 3  HYPERLINK \l _Toc7674 3.3 业务流程  PAGEREF _Toc7674 5  HYPERLINK \l _Toc6880 3.4 盈利方式  PAGEREF _Toc6880 5  HYPERLINK \l _Toc1465 4 陆金所P2P业务存在的风险