P2P网络借贷的发展现状、风险及对策.docx

PAGE 1 目录 316_WPSOffice_Level1 P2P网络借贷的发展现状、风险及对策 1 21195_WPSOffice_Level1 前 言 2 9978_WPSOffice_Level1 一、P2P网络借贷概述 3 21195_WPSOffice_Level2 （一）、P2P网络借贷平台定义 3 9978_WPSOffice_Level2 （二）P2P网络借贷的运行模式: 3 19257_WPSOffice_Level2 P2P网络借贷平台的主要运行模式主要有以下四种： 3 19257_WPSOffice_Level1 二、P2P网络借贷运行现状分析 4 10630_WPSOffice_Level1 三、P2P网络借贷的发展前景 6 10630_WPSOffice_Level2 （一）P2P网络借贷的积极作用 6 25904_WPSOffice_Level2 （二）P2P网络借贷的发展前景 7 25904_WPSOffice_Level1 四、P2P网络借贷的风险分析 8 18285_WPSOffice_Level1 五、P2P网络借贷的风险防范对策 9 18285_WPSOffice_Level2 （一）政府角度 10 22067_WPSOffice_Level2 （二）P2P网络借贷平台的角度 10 27098_WPSOffice_Level2 （三）行业角度 11 22067_WPSOffice_Level1 参考文献 12 27098_WPSOffice_Level1 致 谢 13 P2P网络借贷的发展现状、风险及对策 摘 要 P2P网络借贷（Peer to Peer Lending）是互联网创新的金融产物，互联网是借贷双方的资金融通交易的媒介。它的创造者是2006年诺贝尔奖得主孟加拉国的尤努斯教授。2007年我国成立了第一家P2P网络借贷平台，截止到2017年中国有平台5888家，其发展势头甚是迅猛。但是其在发展过程中，存在着，政策法律风险不完善、监管风险不严、存在洗钱风险、操作存在风险、网络存在风险和信用风险等，本文针对这些风险，从政府角度、P2P网络借贷平台角度、P2P网络借贷行业及借贷个人等角度提出建议予以消除风险，促进P2P网络借贷的发展。 关键字 P2P网络借贷；风险；对策 The Current Situation, Risk and Countermeasures of P2P Network Lending Abstract P2P Network Lending (Peer to Peer Lending) is an innovative Internet financial product, and the financial transactions of borrowing and lending are accomplished directly by the Internet. Its pioneering is the 2006 Nobel Prize winner in Bangladesh, Professor Yunus. 2007 China set up the first P2P network lending platform, and now China has 5,888 platforms, its development momentum is very rapid. But in the course of development, there exist, policy and legal risk, regulatory risk, money-laundering risk, operational risk, network risk and credit risk, this article in view of these risks, from the government perspective, P2P Network lending platform, P2P network lending industry and credit individuals, such as the proposed prevention of risk, promote the development of P2P network lending. Keywords P2P Network Lending ;risk;countermeasure 前 言 P2P网络借贷是创新互联网金融产物，借贷双方的资金融通交易直接以互联网为媒介完成的，它的特点是不以传统银行为媒介、借贷金额