P2P网贷的风险控制:金融分析与模式构建  

The Risk Control of Internet Finance Peer-to-Peer Lending:Financial Analysis and Model Construction

作　　者：刘建民[1] 蒋雨荷 

机构地区：[1]西南政法大学管理学院,重庆401120

出　　处：《西南政法大学学报》2016年第2期100-106,共7页Journal of Southwest University of Political Science and Law

基　　金：西南政法大学校级研究生科研创新项目(2013XZYJS190)

摘　　要：互联网金融P2P模式快速发展的同时,也触发了"金融脱管",即脱离了传统银行完善的风险管控体系,网贷平台出现了"蒸发"、提现困难和非法洗钱等严重危害消费者利益和金融稳定的问题。以互联网金融P2P网贷平台的四种发展模式为基础,可以发现P2P运作过程中出现的道德风险、项目风险、模式风险和技术风险等因素。P2G是规避风险的P2P创新版模式,P2G具有政府信用背书、回收速度快、项目筛选严格和信息透明的优点,使其能够成为"地方投资新蓝海"。P2G运行需要遵从的原则包括:资金流向透明、项目运行透明、交易信息透明和交易环境透明。The rapid development of internet financial P2P（ peer-to-peer lending） has triggered the phenomenon of＂out of financial supervision＂,which means the P2 P platform has slapped into a state of＂out of supervision＂. More and more issues such as platform vanishing,withdrawal difficulty and illegal money laundering,occur in the P2 P system and do serious harm to the interests of investors and financial stability.Beginning with the presentation of four developing models,this paper introduces the existing risk factors,like moral hazard,project risk,model risk and the risk of technology. On this basis,an innovative model named P2 G model is introduced which has the ability to avoid the above-mentioned risks. P2 G has the advantages of public credit endorsement,rapid recovery of funds,strict screening process and informational transparency,so that it becomes ＂a new blue ocean of local investment＂. Moreover,this paper also analyzes the transparent principles of four aspects to P2 G operation： the money flow, the operating condition, the transaction information and the trading environment.

关 键 词：P2P 金融脱管 风险控制 P2G 透明原则 

分 类 号：DF438[政治法律—经济法学]