P2P网络借贷运营模式与风险管理研究  

Research on Operation Model and Risk Management of P2P Network Borrowing

作　　者：傅昌銮[1] 

机构地区：[1]浙江外国语学院国际商学院,浙江杭州310012

出　　处：《湖南财政经济学院学报》2016年第5期30-36,共7页Journal of Hunan University of Finance and Economics

基　　金：浙江省社科规划一般项目"农村新型金融机构风险管理问题研究--基于浙江的实证"(项目编号:13NDJC050YB);浙江外国语学院实践教学改革与创新项目"基于互联网金融的P2P借贷模式与风险管理研究"(项目编号:2015004)

摘　　要：在系统分析互联网金融下P2P网络借贷理论(包括信息不对称理论、金融创新理论、长尾理论以及风险管理与控制理论)的基础上,总结与概括了目前我国典型的P2P网络借贷运营模式,包括纯线上模式、债券转让模式、担保/抵押模式、P2B模式以及混合模式等,并对一些模式的创新以及这些模式存在的风险进行了分析。提出P2P网络借贷要重点做好风险管理,主要措施包括:建立健全的法律监管体系与完善的个人信用体系,坚持小额分散借款原则与数据化风控模型,保证P2P网络借贷市场交易机制的规范性与公平性等。This paper first analyzes the theories of P2P lending platform, including the information asymmetry theory, financial innovation theory, the long tail theory and risk management and control theory. Secondly the paper summaries the present typical P2P lending patterns, including pure online mode, transfer mode, guarantee bond or mortgage mode, P2B mode and mixed mode, and some innovation on the mode and risk of these modes are analyzed. Finally, the paper puts forward some relevant policies and measures of the P2P lending risk management, including the establishment of perfect le- gal supervision system and perfect personal credit system, ensure the trading mechanism of P2P lending market standardization and fairness.

关 键 词：P2P网络借贷 模式 风险管理 

分 类 号：F724.6[经济管理—产业经济] F832.4