简析P2P融资的风险及其监管.docVIP

PAGE PAGE 21 简析P2P融资的风险及其监管 摘要 随着社会经济与科技的飞速发展，互联网金融基于信息技术与传统金融的有机结合呈现出快速发展的趋势，P2P网贷模式作为互联网金融的典型模式亦然，无疑给传统金融业的发展带来一定的冲击。本文通过搜集和整理相关资料，首先对选题的背景、目的和意义做了阐述，介绍了P2P融资模式的相关概念、特点及主要运营模式，对P2P网贷的发展现状及可能存在的风险做了梳理，并给出了相应的建议。我国P2P网络借贷刚刚起步，在运营过程中存在诸如个人信用体系不健全、相关法律法规缺失、行业监管滞后及缺乏行业自律等诸多风险。为确保我国P2P网络借业务公司的健康有序发展，政府和相关部门应注重加强对该方面的监管，并给予一定的发展空间，促进其市场化，顺应我国金融改革创新的要求。 关键词：互联网金融；P2P网络借贷；P2P融资模式；风险；金融监管 Abstract With the rapid development of social economy and science and technology, Internet Banking Based on the combination of information technology and traditional financial showing a trend of rapid development, P2P network lending model as vice versa the typical mode of Internet banking undoubtedly to the traditional financial sector development bring certain impact. By collecting and collating relevant information, first of all on the topics of the background, purpose and significance are described in detail. The financing mode of P2P related concepts, characteristics and the main mode of operation is introduced in this paper, the current situation of the development of the P2P network for credit and the possible risk analysis, and gives the corresponding suggestions. P2P network lending in China has just started, in the process of operation exist such as personal credit system is not perfect, the lack of relevant laws and regulations, industry regulatory lag and lack of self-discipline etc. many risks. In order to ensure the healthy and orderly development of the business of the company through the P2P network in our country, the government and relevant departments should focus on strengthening the supervision of the, and give some space for development, promote the market, conform to the requirements of Chinas financial reform and innovation. Keywords: Internet banking; P2P network lending; P2P financing model; risk; financial supervision 一、导论 （一）研究背景和意义 1.研究背景 近几年来互联网金融发展迅速，尤其是2012年以来，互联网与金融在中华大地创新浪潮滚动。2013年11月1日，中国天使众筹平台——天使汇在《新闻联播》头条中播报，指出互联网创新正在改变产业形态。天使汇的发展，尤其是以余额宝为代表的互联网巨头们