关于PP贷款业务开展现状调查分析.pdfVIP

关于 P2P 贷款业务开展现状调查分析 ——以钱钱金融（北京）信息服务公司为例 摘要 随着社会经济与互联网的快速发展，银行、各金融企业的信贷模式也有了新 的变化，将自然人作为借贷服务对象、利用网络工具这一中介平台进行借贷信息 分匹配审核与借贷金额流转的网络借贷模 ——“P2P 网络借贷”开始出现，这 一模式是对我国金融体系的一种补充，在一定程度上解决了中小企业和个人贷款 方面的问题，但是网贷在我国发展的时间仍然比较短，存在着一定的风险与疏漏 之处，本文对我国网贷行业业务的开展现状进行研究，首先介绍了 P2P 网络借贷 的运行条件与现状，其次以钱钱金融（北京）信息服务公司为例，对其P2P 贷款 业务进行分析，从中探究出我国 P2P 网络借贷中存在的问题及原因，最后，针对 这些问题提出相应的解决对策，以期为钱钱金融（北京）信息服务公司的贷款业 务提供一定的借鉴意义，另外，本文的研究从理论角度上来讲，对我国金融体系 的研究具有补充作用。 关键词：贷款业务；P2P；现状 Abstract With the rapid development of social economy and the Internet, banks, financial enterprises credit model also has a new change in the lending of natural persons as service object, use the Internet tools that intermediary platform for borrowers and loan review information points match the amount of the transfer network lending model - P2P network lending, began to appear, this model is a complement to our financial system, to a certain extent, solve the problem of SME and personal loans, but net loan in time for Chinas development is still relatively short, there are some risks associated with omissions, paper, the status of net loan industry to carry out business research, first introduced the operating conditions and status of P2P network lending, and secondly to Money, the financial (Beijing) information services Case , were analyzed P2P lending business, from our P2P network lending explore the existing problems and the reasons, finally, to address these issues put forward countermeasures, with a view to Money, Finance (Beijing) information services company to provide some loans the reference, in addition, this study from a theoretical point of speaking, the study of Chinas financial system has a complementary role. Key words:loan transaction;peer-to-peer;present situation 目 录 引言1 一、P2P 网络借贷运行条件与现状1 （一）P2P 网络借贷运行条件1 （二）P2P 网络借贷发展现状2 1.规模迅速增长