我国P2P网络借贷平台行业风险评估研究——基于50家平台的风险评级.docVIP

PAGE PAGE 44 我国P2P网络借贷平台行业风险评估研究 ——基于50家平台的风险评级 摘要：P2P网络借贷目前发展迅速，但较多的平台出现跑路等风险事件引起了社会广泛关注。本文根据已有对小额信贷的研究成果，筛选出P2P网络借贷平台众多指标中主要影响平台安全的指标，使用风险评估中指标打分法对我国P2P网络借贷平台行业进行研究。结果发现行业各平台参差不齐，两极分化严重，整体风险较高，已有法规监管不能完全满足要求。最后，本文从监管者、平台自身和投资者三方面提出建议。 关键词：P2P网络借贷借贷平台风险评级 Research on the Risk Assessment of Domestic P2P Lending Platforms —Risk Rating Based on 50 Platforms Abstract: P2P lending is currently developing rapidly, but more platforms appear make off with money and other risk events caused widespread concern in the community. According to the existing research results of microfinance, this paper