p2p模式下小微企业融资方式创新与风险控制——以“人人贷”为例.docVIP

PAGE PAGE 22 p2p模式下小微企业融资方式创新与风险控制——以“人人贷”为例 摘要：随着小微企业及个人融资难问题的日趋暴露和央行对银根的不断收紧，一种借助于网络平台的新型融资方式P2P模式应时而生。由于其有效地满足了中小借贷者的需求且处于各个监管部门监管的灰色地带，短短几年，P2P公司的规模已扩大数百倍，且仍在不断地快速增长，但在其快速发展的背后，既有对正规金融市场的积极补充作用，却也潜藏着许多风险和隐患。现在必须通过加强立法和监管，引导其正常健康发展。立法不完善带来的政策性风险、缺乏监管带来的违规操作风险以及因信息不对称等导致的信用风险是目前我国P2P市场存在的主要风险，而尽快完善相关立法、加大对P2P的监管力度、进一步完善个人信用体系无疑是规范和引导P2P健康发展的当务之急。本文以“人人贷”公司为例分析，该公司存在的风险防范问题以及小微企业在该模式下存在的风险，并提出防范对策。 关键词： 小微企业 “人人贷” P2P网络借贷平台风险防范 Innovation and risk control of small and micro enterprises financing mode under P2P mode ——a case study of the net loan Abstract:As small businesses and individual financing difficult problem increasi-ngly exposed and the central bank tightening of monetary policy, a new type of netw -ork platform financing Peer-to-Peer everyone should be formed. Due to its effectiv -ely meet the needs of small and medium-sized lenders and at various regulatory oversight of grey area, just a few short years, Peer-to-Peer scale has expanded hundred of times, and still in constant fast growth, but behind its rapid development, has a positive complement to formal financial markets, but also many risks and hidden dang-ers lurk. Must by strengthening legislation and regulation, guide the healthy develop-ment of its normal. Legislation imperfect policy risk, the lack of regulation violations of operational risk and credit risk caused by information asymmetry and so on is at pr-esent our country Peer-to-Peer market is the main risk, and to perfect relevant legisl-ation as soon as possible, to Peer-to-Peer regulation, further perfect personal credit system is undoubtedly the standardize and guide the healthy development of the Peer-to-Peer everyones top priority. Combining with all credit risk prevention probles of the company, the company analysis and prevention countermeasures are put forward. Keywords: Small and micro businesses Everyone credit Lending to P2P network platform Risk prevention 一、 绪论 （一） 问题提出 小微企业的融资难问题是一个普遍的现象，资金少、融资难是我国小微企业发展的巨大瓶颈，我国政府对此也极其重视，