经济学-p2p网络借贷风险的研究.docxVIP

PAGE 23 - PAGE II - p2p网络借贷风险的研究 摘要 近几年来，我国P2P网络借贷行业的飞速发展，金融市场上涌现出众多的融资平台，传统的借贷行业顺应时代发展的潮流，不断创新发展，该行业较多的金融风险暴露出来。针对P2P网络借贷行业在发展过程中遇到的风险，提出行之有效的解决措施，才能合理高效的规避借贷行业发展过程风险带来的负面效应。 对于我国P2P网络借贷风险的研究，本文从该行业的兴起和发展作为切入点，通过对国内外专家学者相关理论研读，以及现实生活中的案例剖析，我从中发现，我国P2P网络借贷中存在法律风险、认知风险、信用风险和技术风险。本文进一步结合P2P网络借贷风险的实际案例，从内部和外部两个方面分析了P2P网络借贷风险产生的原因，研究发现，我国互联网金融业发展存在内部风险管理机制不完善、担保模式不完善、政府监管体系不完善、投资者识别风险能力不强等问题。针对P2P网络借贷发展过程中面临的问题，本文坚持对具体问题进行具体分析，并提出相应的风险防范和对策，希望为解决P2P网络借贷发展带来的风险提供参考手段，以促进P2P网络借贷行业的良性发展。 关键词：P2P网络借贷 金融风险 防范对策  Abstract In recent years, with the rapid development of Chinas P2P online lending industry, a large number of financing platforms have emerged in the financial market. The traditional lending industry conforms to the trend of The Times and keeps innovating and developing, exposing more financial risks in the industry. Only by putting forward effective solutions to the risks encountered in the development process of P2P online lending industry, can the negative effects brought by risks in the development process of P2P online lending industry be avoided reasonably and efficiently. For the research on the risks of P2P online lending in China, this paper takes the rise and development of this industry as the entry point. By studying relevant theories of domestic and foreign experts and scholars and analyzing cases in real life, I find that there are legal risks, cognitive risks, credit risks and technical risks in Chinas P2P online lending. This paper further combined with the actual case of P2P lending risks, from two aspects of internal and external analysis of the causes of the P2P lending risk, the study found that Chinas Internet industry development is the internal risk management mechanism is imperfect, imperfect guarantee mode, government regulatory system is not perfect, investors identify risks ability is not strong and so on. In view of the problems faced in the development process of P2P network lending, this paper insists on a specific analysis of spe