P2P网络借贷模式下小微企业融资风险的探究.docVIP

P2P网络借贷模式下小微企业融资风险的探究 The investigation of micro-enterprise financing risk in P2P lending mode 摘要 当前，P2P 网络借贷已经成为小微企业民间融资的一种新途径，但是，在其方便、快捷、成功率高的背后，也存在不少隐忧。探索 P2P网络借贷平台的区域发展模式，方能降低融资风险，促进小微企业的发展。P2P网货与小微企业的共同成长已成为有目共睹的事实。文章基于小微企业PZP网络货款平台融资的收益及风险权衡分析，真正做到扶持小微企业，实现PZP网货与小微企业的共荣共赢。 本文通过了解P2P网络借贷的背景和意义，研究它的概念及优势，分析了在P2P网络借贷模式下小微企业所面临的各种问题，并提出了相应的建议和解决措施。最后选择拍拍贷进行实证研究，通过对拍拍贷数据的实证分析，得到影响出借人出借资金的可能性的因素。 发挥 P2P 网络借贷在小微企业融资中的积极作用，结合网络借贷存在的问题和实证结论，相应的提供一些政策建议。首先，政府明确借贷平台的性质，确定监管主体；在完善相关法律规范的同时，健全监管制度；加强个人和小微企业信用体系的建设。其次，加强平台自身建设，建立风险储备金防范风险。个人和小微企业要提高信用价值意识，注重平台社会资本的积累与维护。 关键词：P2P网络借贷、小微企业、融资 Abstract Current, P2P network lending has become a new way of private financing of small and micro enterprises, but, in its convenient, fast, high success rate behind, there are also a lot of worries. Explore the area development model P2P network lending platform, in order to reduce financing risks, and promote the development of small and micro enterprises. Grow P2P network goods and small businesses has become obvious fact. Article based on income small businesses PZP network payment platform, financing and risk trade-off analysis, truly support small and micro enterprises, and PZP cargo net with small and micro businesses win-win and common prosperity. 牋牋By understanding the background and significance of P2P network lending, studies its concept and advantages, analyzes various problems faced by small and micro enterprises in the P2P network lending model, and puts forward suggestions and solutions. Finally, choose a pat-prime empirical research, empirical analysis of the data of the loan pat give lenders factors influence people lending money possibilities. 牋牋Play an active role in the P2P network lending of small micro-enterprise financing, combined with network loan problems and empirical conclusions, appropriate to provide some policy recommendations. First, the government clear the nature of lending platform to determine the regulatory body