关于P2P贷款业务开展现状调查分析.docx

经典专科、本科、硕博、研究生、期刊毕业论文 仅供参考 精心整理 仅供参考 勿用作商业用途 关于P2P贷款业务开展现状调查分析 ——以钱钱金融（北京）信息服务公司为例 摘要 随着社会经济与互联网的快速发展，银行、各金融企业的信贷模式也有了新的变化，将自然人作为借贷服务对象、利用网络工具这一中介平台进行借贷信息分匹配审核与借贷金额流转的网络借贷模式——“P2P网络借贷”开始出现，这一模式是对我国金融体系的一种补充，在一定程度上解决了中小企业和个人贷款方面的问题，但是网贷在我国发展的时间仍然比较短，存在着一定的风险与疏漏之处，本文对我国网贷行业业务的开展现状进行研究，首先介绍了P2P网络借贷的运行条件与现状，其次以钱钱金融（北京）信息服务公司为例，对其P2P贷款业务进行分析，从中探究出我国P2P网络借贷中存在的问题及原因，最后，针对这些问题提出相应的解决对策，以期为钱钱金融（北京）信息服务公司的贷款业务提供一定的借鉴意义，另外，本文的研究从理论角度上来讲，对我国金融体系的研究具有补充作用。 关键词：贷款业务；P2P；现状 Abstract With the rapid development of social economy and the Internet, banks, financial enterprises credit model also has a new change in the lending of natural persons as service object, use the Internet tools that intermediary platform for borrowers and loan review information points match the amount of the transfer network lending model - "P2P network lending," began to appear, this model is a complement to our financial system, to a certain extent, solve the problem of SME and personal loans, but net loan in time for China's development is still relatively short, there are some risks associated with omissions, paper, the status of net loan industry to carry out business research, first introduced the operating conditions and status of P2P network lending, and secondly to Money, the financial (Beijing) information services Case , were analyzed P2P lending business, from our P2P network lending explore the existing problems and the reasons, finally, to address these issues put forward countermeasures, with a view to Money, Finance (Beijing) information services company to provide some loans the reference, in addition, this study from a theoretical point of speaking, the study of China's financial system has a complementary role. Key words:loan transaction;peer-to-peer;present situation 目 录 TOC \o "1-3" \h \u 引言 1 一、P2P网络借贷运行条件与现状 1 （一）P2P网络借贷运行条件 1 （二）P2P网络借贷发展现状 2 1.规模迅速增长且趋于稳定 2 2.管理缺失，风险性高 2 3.政策关注，前景广阔 2 二、钱钱金融（北京）信息服务公司P2P贷款业务分析 2 （一）钱钱金融（北京）信息服