P2P网贷平台风险分析及防范对策.docVIP

PAGE PAGE 13 摘 要 随着互联网金融行业的发展，P2P网络借贷在进行年来发展的越来越好，很多小额借款和投资者顺应了时代的发展趋势，慢慢地投入到了P2P网络借贷的行业中。对传统的借贷市场产生一定冲击的同时，也带来了很多机遇。但是随着我国经济的稳步发展，近些年来很多平台都出现了融资困难、平台倒闭甚至捐款跑路等高风险的问题。在2018年P2P网络借贷平台出现了非常多的暴雷事件。金融市场对于P2P往来的态度也出现了非常大的转变，在2019年很多平台出现了倒闭的情况，对借贷行业产生了非常大的打击，在未来的发展过程，借贷行业的发展具有非常大的不确定性。 本文利用了金融风险防范的相关理论，采用了文献研究的方法，还有调查分析的方法，对我国P2P网络借贷平台存在的风险进行了分析，发现了这些平台在发展的过程中存在着一些列的风险性质的问题，并且文章根据存在的问题，提出了相应的解决方案。论文的研究主要分为三个部分，第一部分是对网络借贷平台的相关理论进行研究，并且分析了我国P2P网络平台目前发展的现状，第二部分是比较P2P网络借贷平台与传统借贷平台的不同，指出P2P网络平台存在的主要的风险和成因，第三部分对出现的问题作出了相应的方法对策。 关键词：网络借贷 平台风险 防范对策 ABSTRACT With the development of the Internet finance industry, P2P network lending has developed better and better in the past year. Many small loans and investors conform to the development trend of the times and gradually invest in the P2P network lending industry. It has a certain impact on the traditional lending market, but also brings a lot of opportunities. However, with the steady development of Chinas economy, in recent years, many platforms have encountered such high-risk problems as financing difficulties, platform failures and even donations. In 2018, there were many thunderstorms on P2P online lending platform. The attitude of the financial market towards P2P exchanges has also changed greatly. In 2019, many platforms went out of business, which has a great impact on the lending industry. In the future development process, the development of the lending industry is very uncertain. This paper uses the theory of financial risk prevention, the method of literature research, and the method of investigation and analysis to analyze the risk of P2P network lending platform in China, and finds that there are some problems of risk nature in the development of these platforms, and according to the existing problems, this paper puts forward the corresponding solutions. The research of this paper is mainly divided into three parts. The first part is to study the related theories of the network lending platform, and analyze