P2P网络借贷平台问题及解决对策

密级：学校代码：10075分类号：学号：20110169经济学硕士论文学位申请人：白浩指导教师：尹成远教授翟建强高级经济师学位类别：金融硕士授予单位：河北大学答辩日期：二〇一三年六月ClassifiedIndex:CODE:10075U.D.C:NO:20110169MasterofEconomicsTheP2PLendingPlatformProblemandResolutioninOperationCandidate:BaihaoSupervisor:YinChengyuanZhaiJianqiangAcademicDegreeApplied:MasterofFinanceUniversity:HebeiUniversityDateofOralExamination:March,2013摘  要   I摘要进入21世纪，互联网也迎来新的发展——Web2.0时代。相对于Web1.0，Web2.0更注重互联网用户的交互使用，用户既是互联网内容的浏览者，也是互联网内容的制造者。在Web2.0模式下，互联网开发者会根据不同的需要，开发很多信息开放平台，用户可以不受时间和地域的限制分享和发布各种观点。正是在这种背景下，互联网与现代金融借贷业务进行创新性融合，P2P网络借贷平台应运而生。由于互联网强大的信息处理能力，操作流程的程序化和透明性，以及在线社交的互动性，能够降低现代金融借贷的成本，提高借贷效率，使其成为一种互联网金融的创新模式。P2P网络借贷平台是互联网和现代金融借贷的融合，将小额度的资金聚集起来借贷给有资金需求人群的一种商业模型，借贷过程中，资料与资金、合同、手续等全部通过网络实现。它最早发源于2005年英国的Zopa，但是很快就把这种互联网金融模式引入中国，2007年拍拍贷在上海成立，模仿美国的prosper网络借贷平台的模式运营。本文旨在以客观、科学的态度研究网络借贷平台的产生和发展现状，针对运营中存在的问题，提出可能解决措施，对网络借贷行为予以矫正和规范，促进我国网络借贷健康发展，真正实现其对社会经济发展的积极作用。本文先是介绍P2P网络借贷发展的相关背景，网络借贷平台的概念、特征、功能、运营模式、操作流程等等，以及目前国内外网络借贷行业的发展现状。然后，本文重点阐述了P2P网络借贷行业在我国运营中存在的风险，如法律风险、监管风险、信用风险、平台控制风险等。最后，针对P2P网络借贷行业存在的问题，提出从微观层面网络借贷平台要完善制度建设，加强风险控制能力；从宏观层面，发挥国家的宏观引导和监管作用，尤其是完善相关立法、加强监管、以及健全个人征信体系建设等，控制网络借贷的外部风险。关键词：P2P网络借贷平台；运营模式；信用风险；风险控制Abstract   IIAbstract Steppingintothe21stcentury,theInternethasalsousheredinanewdevelopment-Web2.0era.RelativetoWeb1.0,Web2.0Internetuserspaymoreattentiontointeractiveuse,usersbothInternetsurfers,butalsomanufacturersofInternetcontent.WithinWeb2.0mode,Internetdevelopers,dependingontheneed,developalotofinformationplatform,inwhichuserscanshareandpublishavarietyofperspectiveswithouttherestrictionsoftimeandgeographical.Itisinthiscontext,theinnovativeintegrationofInternetandmodernfinancialbusinessmakestheP2Pnetworklendingplatformcameintobeing.TheInternetpowerfulinformationprocessingcapacity,operatingproceduresandtransparencyoftheprocess,aswellasonlinesocialinteractioncanreducethecostofmodernfinancialborrowing,raiseborrowingefficiency.ItbecomesanewInter-financeinnovationmodel.P2Pnetworklendingplatformisabusinessmodel,whichcombinestheInternetandthefinancetogether,poolingthesmallamountoffundstolendtowhoneedsthem.Thelendingprocesscanachievethroughtheplatform,suchastheinformationandfunds,contracts,procedures.Itfirstoriginatedin2005,theUK'sZopa,butquicklythisInter-financemodelwasintroducedintoChina,in2007PPdainetworklendingplatformestablishedinShanghai,imitatetheU.S.prospernetworklendingplatformmodeoperations.ThispaperaimstoresearchtheP2Pnetworklendingplatformanddevelopmentstatusobjectivelyandscientifically.Accordingtotheproblemsinoperation,toproposepossiblesolutionsandcorrectbehaviorsandsetnormsonthenetworklending,inordertopromotethehealthydevelopmentofChina'snetworklending,andrealizeitsactiveroleinthesocio-economicdevelopment.ThispaperfirstlydescribesthebackgroundofthedevelopmentofP2Pnetworklendingplatform,anditsconcept,features,functions,operationmodeandoperationprocess,etc.,aswellasthecurrentdomesticandinternationaldevelopmentstatus.Then,thepaperfocusesonAbstract   IIIitsproblemsexistinginouroperation,suchaslegalrisk,regulatoryrisk,creditrisk,platformcontrolrisk.ContrarytotheproblemsoftheP2Pnetworkborrowingsindustryintheformertext,finally,Iproposesomeresolutionsformtwolevels.Themicro-level,theP2Pnetworklendingplatformimprovethesystemconstructionandstrengthenitsriskcontrolcapability;themacro-level,toplaythecountry'smacroguidanceandsupervisionrole,especiallyimprovetherelevantlegislationtostrengthensupervision,aswellassoundpersonalcreditinformationsystemconstruction,controlitsexternalrisks.Keywords:P2Pnetworklendingplatform;Operatingmode;Creditrisk;Riskcontrol目  录   IV目录第1章绪论························································································································11.1选题背景及研究意义·······························································································11.1.1选题背景·············································································································11.1.2研究意义············································································································21.2文献综述···················································································································21.3研究方法及创新点···································································································3第2章P2P网络借贷平台概述·························································································52.1P2P网络借贷平台基本情况·····················································································52.1.1P2P网络借贷概念······························································································52.1.2P2P网络借贷的基本特征··················································································52.1.3P2P网络借贷平台功能······················································································62.2P2P网络借贷平台运营模式·····················································································62.2.1P2P网络借贷运营模式······················································································62.2.2P2P网络借贷操作基本流程···········