p2p网络借贷的风险分析与管控金融学专业论文.docxVIP

筲都经济贸易大学硕士学位论文 筲都经济贸易大学硕士学位论文 P2P网络借贷的风险分析与管控 Abstract The private lending has long history in China，medium and small—sized enterprises have a financing problem since formal financial institution rare provide loan to them，in order to remedy financing gap，medium and small—sized enterprises have had to looking for the suppoa of private lending．P2P(Peer to Peer lending)，as a new way of private lending，combined finance with internet，has been widely accepted by the public．P2P has been regarded as convenient way to connect the lender and the borrower,for the advantages ofthe internet．In China，there has a rapid development of P2P，the number of participants has showing a considerable growth，the financing scale also has recorded a remarkable increase．P2P has provided new investment channel to the public，which has higher rate than the bank interest rates，while also has some potential risks to the participants that have already caused some social loss because of the lack of supervision to it．Therefore，having fully understand of the risks of P2P and promulgating suitable policy have become a meaningful topic now． Firstly,this thesis detailed elaboration the status of P2P in China，including every aspect of the industry,by doing this，there be a clearly understand of potential risks． Secondly,this thesis has studied the mode ofthe P2P in U．S and the U．S．A，the to choose this two country is that the P2P has a widely development in this country,the mode of operation，the model to control risk，the rating system and SO on be a guidance to China． In order to find the sim ilarities and differences of the various places of China， this thesis the cluster analysis and factor analysis as the main metering model， cluster analysis has the advantage of classifying the most similar statistic samples，SO that supervision policy can vary from district tO district． Key Words：P2P factor analysis cluster analysis supervision policy II 万方数据 首都经济贸易大学硕十学位论文 首都经济贸易大学硕十学位论文 P2P网络借贷的风险分析与管控 目录 1绪论 ． ．1 1．1