P2P网络借贷研究文献综述  

A Literature Review on the Online Peer-to-Peer Lending

作　　者：龚若平 王学武[1] 

机构地区：[1]广东财经大学金融学院,广东广州510320

出　　处：《广西财经学院学报》2015年第2期68-72,共5页Journal of Guangxi University of Finance and Economics

摘　　要：与传统的银行贷款相比,P2P网络借贷从其诞生之日起就伴随着各种争议。目前,P2P网络借贷是一个相对较新的研究领域。文章首先叙述了当前主要P2P在线平台的运营模式,此外从"硬因素"和"软因素"两方面来分别阐述它们对贷款成功率的影响,由此得出了借贷双方信息不对称、网络安全风险和借新账还旧账等P2P网络借贷的三大风险。最终,在总结已有的研究成果的基础上,提出了自己对P2P网络借贷未来发展和研究方向的见解。With the comparison to the traditional loan process in banks,the online P2P lending has faced many debates at the very beginning. At present,the online P2P lending is a new research field to some extent. The authors describe the present operation mode of most online platforms. Also,they describe its influence on the success of lending from the financial and demographic determinants. They conclude that there are three risks in the P2P online lending,including information asymmetry,website safety and borrowing new arrears crisis. In the end,the paper puts forward its perspective about the future development and the research direction of P2P online lending on the basis of the recent research achievements.

关 键 词：P2P网络借贷 运营模式 决定因素 贷款风险 

分 类 号：F830.5[经济管理—金融学]