互联网金融风险研究以P2P为例.doc

互联网金融风险研究：以P2P为例 摘 要 文章首先主要介绍了互联网金融的概念以及国内外近几年的发展状况以及理论实践，其次选取互联网金融最具代表性的P2P网络借贷平台来进行分析，并分析P2P网络借贷平台数量爆发性增长的原因，以及其带来的各种法律问题和信用问题。最后通过P2P网络借贷平台的问题来分析互联网金融在发展初期出现的以上问题，并运用国内外互联网金融理论对其生存环境进行具体分析，提出风险规避、完善法律制度、建立完善信用体质等政策建议。 关键词：互联网金融；P2P；金融风险 Risk of Internet Banking: A Case Study in P2P ABSTRACT The article first introduces the concept of home and abroad in recent years, the development of the Internet and the theory and practice of finance, followed by Internet banking select the most representative P2P lending platform for network analysis and network analysis of the number of P2P lending platform explosive growth causes, and it brings a variety of legal issues and credit problems. Finally, the problem of P2P network lending platform to analyze the development of Internet banking in the early emergence of these problems, and use the Internet at home and abroad for its living environment of financial theory specific analysis, risk aversion, improve the legal system, establish and improve the physical condition of the credit policy recommendations . Keywords: Internet banking; P2P; financial risk 目录  TOC \o 1-3 \h \z \u  HYPERLINK \l _Toc385942488 一、引言  PAGEREF _Toc385942488 \h 1  HYPERLINK \l _Toc385942489 二、互联网金融在我国的发展现状  PAGEREF _Toc385942489 \h 1  HYPERLINK \l _Toc385942490 （一）互联网金融分类  PAGEREF _Toc385942490 \h 1  HYPERLINK \l _Toc385942491 （二）P2P模式的发展现状  PAGEREF _Toc385942491 \h 1  HYPERLINK \l _Toc385942492 1.P2P模式的概念界定  PAGEREF _Toc385942492 \h 1  HYPERLINK \l _Toc385942493 2.P2P模式的特点  PAGEREF _Toc385942493 \h 1  HYPERLINK \l _Toc385942494 （三）P2P网贷平台的生存环境  PAGEREF _Toc385942494 \h 2  HYPERLINK \l _Toc385942495 1.网络环境分析  PAGEREF _Toc385942495 \h 2  HYPERLINK \l _Toc385942496 2.法制环境分析  PAGEREF _Toc385942496 \h 2  HYPERLINK \l _Toc385942497 三、互联网金融存在的风险问题  PAGEREF _Toc385942497 \h 4  HYPERLINK \l _Toc385942498 （一）信用评估的风险  PAGEREF _Toc385942498 \h 4  HYPERLINK \l _Toc385942499 （二）业务层面的风险