p2p网络借贷风险防范模式研究金融学专业论文.docxVIP

AbstractFrom Abstract From the popularity of the Intemet to the present more than 20 years，has brought great changes to our lives．P2P network lending is a new kind of Intemet financial industry．With the rise of the Intemet and the development of private lending and the development of a new financial model，namely has the qualification of network finance company as provide information release and trading platform，the debit and credit both docking to realize their borrowing needs．From 2007 pat loan and credit should be in our country to carry out the network lending business，P2P network lending industry in China has developed for nearly ten years．In the near future with the exploration of business model and the popularity of industry knowledge，P2P network lending industry to achieve explosive growth，becoming the development trend of financial lending services in the future． First of all，this article through to the domestic and foreign literature research and analysis，under the guidance of the theory of P2P network lending，defines related concepts of P2P network lending，summed up both lenders and borrowers are widely, trading flexibility,，high risk and high retum coexist，Intemet technology and ideas widely used four characteristics．At last，the research status of P2P network lending at home and abroad is analyzed． Secondly,the article points out the development status of P2P network lending platform at home and abroad，analyzes the development trend of China’S P2P network lending．Combined with specific examples of domestic and foreign P2P network lending model and risk prevention of the typical model of risk prevention，compared with foreign models，learn from the advanced foreign risk prevention model．P2P network lending platform in the future healthy development depends to mature and perfect commercial operation mode，different modes of debate essence is around the information transfer and exchange mechanism，namely fair and transparent trading mechanism and perfect risk co