金融风险视角下我国网络借贷市场的发展  

The Development of China's P2P Lending Marketfrom the Perspective of Financial Risk

作　　者：黄文礼[1,2] 许南燕[1] 武鑫 

机构地区：[1]浙江财经大学,浙江杭州310018 [2]浙江大学数学与互联网金融研究中心,浙江杭州310027

出　　处：《浙江金融》2017年第12期11-16,共6页Zhejiang Finance

摘　　要：P2P网贷是一种去中介化的借贷模式,借贷双方借助于P2P网贷平台在线完成资金借贷的所有流程。P2P网贷具有投资门槛低、渠道便捷、低成本等特点,对于解决我国小微企业融资难问题意义重大。本文首先对比分析了国内外网贷平台的运营模式,然后对各网络借贷参与者的关系进行了梳理,最后分析了当前我国网贷市场的风险来源。P2P lending is one way to borrow and lendmoney without the participation of financial intermediaries.Itsentry point is low,investment channel is convenient and is of low cost.It is a good way to solve the financingproblems of small and micro enterprises.In this paper,we focus on the relationship of people who take part in P2P lending market.We also try to find out the source of the risks in the present P2P lending market.Thecapital istransferred twice in the whole process of online P2Plending.

关 键 词：P2P网络借贷 运营模式 平台风险 信用风险 

分 类 号：F832.479[经济管理—金融学]