我国P2P网络借贷风险监管分析-学士学位论文汇.doc

我国P2P网络借贷风险监管分析 摘要 随着互联网进入中国，各行各业也都一步一步运用到互联网并且从中受益，互联网的进入也加强了国内外之间的联系与发展。P2P网络借贷行业是介入于小额借贷和互联网之间的一种新生产物，不仅具有互联网普遍具有的高效性，而且还具有小额借贷的特点。尽管P2P网络借贷行业具有种种优势，却还在我国现阶段金融市场上发展存在种种问题，一方面是由于我国国家自身情况，虽然进入21世纪以后国家不断走经济发展的道路，可是在支持新兴经济行业的发展上没有足够的体系；另一方面是因为P2P网络借贷行业自身发展有问题，不管是公司的实力，还是人员的能力都还远远不够。近几年来，P2P网络借贷行业出现了爆发式的增长，加之我国相关法律法规不健全，缺乏有效的监管机制，导致 P2P网络借贷行业没有合理的风险控制机制，以使之处于无序及自由的发展中。?所以明确 P2P网络借贷在我国存在的风险现状，提出行之有效的风险监管，控制风险，为网络借贷行业可以健康有序发展提供保障。 从对P2P网络借贷的研究背景和意义入手，结合相关的理论基础，分析我国P2P网络借贷的发展现状和监管现状，得出我国风险监管缺失所引起的借贷风险、管理风险、资金风险和自律风险，与国外的监管经验进行对比得出其监管经验对我国启示，最后根据我国P2P网络借贷存在的风险问题提出相应的监管建议。 关键词 P2P网络借贷；风险；监管 The Analysis of the Risk Supervision of P2P Lending Abstract With the rapid development of network era in China,?every work has benefited from network and it strengthened the relationship between countries. P2P network lending is the kind of lending connecting internet and lending, who is effective and convenient.?At the same time the network lending as an?industry has its own problems,?on the one hand, due to the development of the economy of our country, our country do not has the capable system supporting the industry ,?on the other hand,? due to the development of the industry, the ability of the borrower?and the company is not enough.?In recent years,?P2P?network lending industry there has been?explosive growth,?coupled with?Chinas relevant laws and regulation save not perfect,?the lack of?effective supervision mechanism,?causes the P2P?network lending industry is not?reasonable risk control mechanism,?to make?in disorder?and independent development.?So clearly P2P?network lending?in the risk?status of our?existence,?put forward the risk?supervision,?effective?control of risk,?for?network lending?industry?can guarantee?the healthy and orderly development of. The topic of this paper is the?analysis of?credit risk?supervision of?China P2P network,?P2P network lending?from the start of the?purpose and significance of the study,?combined with relevant theoretical basis,?analysis o