我国P2P网络借贷的风险与监管研究_英语论文        

Research on the Risks and Regulation of P2P Lending in China  

摘要

P2P网络借贷是近年兴起的一种新型金融模式，它将互联网技术与民间借贷相结合，针对的个体主要是个人和中小微企业。P2P网络借贷具有贷款期限短、贷款金额小、重视贷款者信用材料、融资门槛相对较低等特点。2011年以来,我国P2P网络借贷行业以年均500%的速度爆发式增长。2013年,全年成交额超过2 000亿元。截至2016年6月末,我国P2P平台数量已达1020家。如今我国已成为世界上最大的P2P市场，而其在迅猛发展的同时，由于我国互联网金融监管政策的空白，出现了行业发展的混乱问题。给投资人与监管者带来了较大挑战。现阶段,我国P2P网络借贷面临政策法律风险、监管风险、洗钱风险、操作风险、网络风险、信用风险。

本文初步设想对我国P2P网络借贷模式进行介绍，将其与传统银行理财产品和余额宝进行比较，采用SWOT分析法对P2P网络借贷的发展进行分析。同时介绍分析了信用危机，信息披露危机以及庞氏骗局这三个典型风险，不仅对P2P行业监管提出了政策建议，同时也向P2P网贷平台和投资者提出了建议。

关键词：P2P  网络借贷  风险  监管

Abstract

P2P lending is a kind of financial innovation mode which combines the Internet technology with private lending. It has the characteristics of short loan term, small amount, paying attention to the credit material of the creditor, and relatively low financing threshold. Since 2011, China's P2P lending industry grew with an explosive average annual rate of 500%. In 2013, the annual turnover reached the point of more than 200 billion yuan. As the end of June 2016, the number of P2P platforms has reached the number of 1020. Since 2006 , after the birth of P2P network lending,it evolved some of the business model with Chinese characteristics. Different model has different risks thus bring the investors and regulators with great challenges. At the present stage, China’s P2P lending faces policies and laws risk, regulatory risk, launder money risk, operational risk, network risk and credit risks. 

To get better understanding of P2P lending, in this paper, I would like to introduces the model of P2P network lending in China, and compares it with traditional bank financial products and yu 'e bao . In addition,SWOT analysis is used to analyze the development of P2P lending. At the same time, this paper introduces the three typical risks of credit risk, information security risk and Ponzi schemes. I put forward recommendations not only for P2P platforms but also for investors.

Key words: P2P  Lending  Risks  Recommendation

Contents

摘 要 1

Abstract 2

Chapter 1 Introduction 3

Chapter 2  The Theoretical Basis of P2P Lending 4

2.1 The Concept and Characteristics of P2P Lending 4

2.1.1 The Concept and Origin of P2P Lending 4

2.1.2  The Characteristics of P2P Lending 5

2.2 The Competitive Advantage and Development Prospect of P2P Lending in China 6

2.2.1 Compared to Bank Financial Products 6

2.2.2 Compared to Yu'E Bao 7

Chapter 3  Risks Presented by P2P Lending Platforms 8

3.1 Credit risk 8

3.2 Information security risk 9

    3.3 Ponzi schemes 12

Chapter4 SWOT Analysis of P2P Lending Industry In China 13

4.1Analysis of the strength of P2P network lending industry in China (STRENGTH) 13

4.2Analysis of the weakness of the P2P lending industry in China (WEAKNESS) 14

4.3 The analysis of opportunities P2P industry has in China (OPPORTUNITY) 15

4.4 Analysis of threats faced by P2P industry in China(THREAT) 16

Chapter 5  Regulatory Countermeasures For P2P Lending Risks 18

5.1 Policy Recommendations on P2P Industry Regulation 18

5.1.1 Improving relevant laws and regulations and management and supervision mechanism 18

5.1.2 Establishing the P2P lending industry association or self-regulatory organization 19

5.2Suggestions For P2P Lending Platforms and Investors 20

5.2.1Advice on P2P lending platforms 20

5.2.2 Suggestions for P2P lending investors 21

Chapter 6 Conclusion 22

Acknowledgments 23

Reference 24