P2P网贷平台风险管控.docVIP

摘要 随着互联网的发展及其向金融领域的渗透，互联网金融已在我国蓬勃兴起，作为中国新型金融模式的典型代表之一，对于相应的金融业务、金融行业、市场以及整个金融体系都带来了不同程度的影响。P2P作为互联网金融的一种重要形式也发展迅猛。作为金融创新的产物，其为散户投资提供了可行渠道，为个人和小微企业融资提供了便利途径。肯定P2P在此过程中产生的积极作用，但同时也要正视P2P在发展过程中的问题，目前法律的空白和监管的缺失使得许多网贷平台在纯中介模式的基础上产生了异化和变型，出现了大量的政策和法律风险，如信用风险、市场风险、流动性风险等；并且还具备互联网固有的风险，如电子合同法律风险、系统操作技术风险、业务风控机制风险等。频繁出现的P2P网贷公司跑路和倒闭现象，总结出关键需要治理的问题分三个方面即信用风险、操作风险、流动风险，从政府监管政策、行业自律、平台本事以及公民素质等方面来总结提出相应的防范措施，为P2P网贷行业健康发展提供一定的帮助。 [关键词]P2P网贷；信用风险；操作风险； Abstract With the development of the Internet and its penetration into the financial field, Internet finance has flourished in our country. As one of the typical representative of the new financial model of China, it has brought different influence to the corresponding financial business, the financial industry, the market and the whole financial system. As an important form of Internet finance, P2P has also developed rapidly. As a product of financial innovation, it provides a feasible channel for individual investors, and provides a convenient way for individuals and small and micro enterprises to raise funds. Affirming the positive role of P2P in this process, but at the same time, we should also face up to the problems of P2P in the process of development. At present, the gap of law and the lack of supervision make many network loan platforms produce alienation and variant on the basis of pure intermediary mode, and there have been a large number of policy and legal risks, such as credit risk, market risk, and the risk of market. Liquidity risk, etc., and also have inherent risks of the Internet, such as electronic contract legal risk, system operation technology risk, business risk control mechanism risk and so on. The frequent occurrence of P2P lendingcompanys running and failure phenomenon, summed up the key problems that need to govern in three aspects: credit risk, operation risk, flow risk, from the government supervision policy, industry self-discipline, platform and citizen quality and other aspects to summarize the