P2P借贷平台的模式及财务风险研究：多案例分析.docVIP

PAGE PAGE 26 P2P借贷平台的模式及财务风险研究：多案例分析 摘要 P2P网络借贷平台是传统借贷和互联网信息技术相结合而发展起来的一种新的金融业务模式。它主要表现为个体对个体的借款信息获取和资金流向，在债权债务属性的关系中脱离了传统的资金媒介。 随着近几年人民银行采取紧缩性的货币政策，大量投资者及小微企业的投资理财融资需求无法在传统的金融机构中获得充分满足。P2P网络借贷这种新型便捷的理财方式无疑在一定程度上成为传统金融体系的有益补充。 P2P借贷作为效仿国外的“舶来物”，其在国内的发展由于相关的平台风险管理机制的不完善，出现了许多跑路现象，坏账风险、政策风险等一直制约着其发展。其存在的合理性一直充满争议，但国内尚未有相关学者对其在这种复杂形势下的财务风险作相关研究。因此，本文希望通过对搜集来的国内外平台相关文献进行整体分析和概述，研究各运营模式下财务风险的相关因素，分析我国P2P借贷平台存在的财务风险问题并尝试提出针对降低P2P借贷平台财务风险的建议以及今后需要从管理措施和监察方面所作的努力。 关键词：P2P借贷平台；运营模式；财务风险 Abstract P2P network is a traditional borrowing and lending platform combining the Internet information technology and developed a kind of new financial business model. It mainly displays for the individual to individual loan information acquisition and capital flow, in the attributes of the creditors rights debt relations from the traditional medium of money. As the peoples bank of China in recent years, tighten monetary policy, a large number of investors and small micro enterprise financing demand in investment and financing cannot get fully meet in the traditional financial institutions. P2P lending this new type of convenient financing way will undoubtedly to some extent, become a beneficial complementarity of the traditional financial system. P2P lending as follow foreign born, its development in China because of the relevant platform risk management mechanism is imperfect, road, appeared a lot of bad debt risk, policy risk and so on have been restricting its development. The rationality of its existence has been controversial, but there is no relevant domestic scholars in this complex situation, the financial risk of related research. Therefore, this article hopes to collect to the platform related literature at home and abroad were reviewed and the overall analysis and summary, studythe related factors of financial risk of operating mode, analyzes the financial risk?problems of P2P lending platform and tries to put forward to reduce P2P lending platform the advice of the financial