P2P借贷的风险控制研究.pdfVIP

摘 要 P2P借贷（Peer to Peer Lending）是一种新的金融理念和金融组织形式，拥有部分金融功能,对传统金 融体系具有一定的补充和替代作用。在近几年P2P的探索实践和发展过程中，我 国P2P借贷行业产生出了很多具有中国特色的商业模式，这些商业模式是P2P企 业在发展过程中与我国国情动态互动的中逐渐形成的。本文从我国P2P借贷的发 展环境形成的不同的商业模式出发，分析了我国P2P借贷的各种商业模式及其风 险。在此基础上，根据不同P2P模式和风险情况提出法律监管、行业自律和企业 管理三位一体的风险控制建议。 [关键词] P2P借贷；商业模式；风险控制；监管 Abstract P2P lending (Peer to Peer Lending) is a kind of new financial concept and financial organization form, has the part of financial function, has the certain supplement and substitution effect to the traditional financial system. In the exploration of practice and development of P2P in recent years, P2P lending industry in China has produced many with Chinese characteristics of business model, the business model is gradually formed P2P enterprises in the development process and the situation of our country in the dynamic interaction. Starting from the formation of P2P development environment of Chinas lending different business models, the analysis of all kinds of business model of Chinas P2P lending and risk. On this basis, according to the different P2P models and risk situation proposed legal supervision, self-discipline and corporate management including risk control suggestion. [Key Words] P2P Lending; risk control; business mode; supervision 目 录 1引言∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙1 2 P2P借贷业务环节细分及主要商业模式∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙2 2.1纯平台模式4 2.2债权转让模式4 2.3担保/抵押模式4 2.4 O2O模式5 2.5 P2B模式5 2.6混合模式5 3 P2P商业模式蕴含的主要风险∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙6 3.1 P2P行业的共性风险6 3.1.1 小额信贷技术风险∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙6 3.1.2 资金安全风险∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙