我国P2P网络借贷平台的运营模式研究.pdfVIP

我国 P2P 网络借贷平台的运营模式研究 摘要  P2P 网络借贷自 2007 年引入我国以来呈现迅猛发展之势，截至 2015 年  12  月底，全国正常运营的  P2P  网贷平台数量达 2595 家，贷款余额已达 4394.61 亿 元。十三五规划中，也明确提出要发挥 P2P 模式的网络借贷平台等互联网金融模 式来满足小微和偏远地区融资需求，通过普惠金融和创业金融助力实体经济。然 而，随着今年 e 租宝事件的持续发酵，平台自身跑路、停业、提现困难、经侦介 入等问题也不断曝光，系列风险使得众多投资者望而却步。那么 P2P 平台应该如 何健康持续发展呢？P2P 网络借贷平台的运营模式能否有更多更好的尝试呢？  P2P 网贷平台作为舶来之物，在本土化中不断演进。本文主要分析 P2P 网络 借贷平台的运营模式，首先是比较分析了国外的英国 Zopa，美国 Prosper 及 Kiva 三家典型的 P2P 平台；接着以国内拍拍贷、红岭创投、陆金所及宜信为代表从公 司简介、运营模式、盈利来源及风险控制四个方面分析国内 P2P 网贷平台的典型 运行模式。然后对比分析了我国 P2P 平台存在的风险问题，再结合数据分析归纳 排名较前的 P2P 平台模式的特点及在控制风险方面的成效；最后提出关于我国 P2P 网贷平台运营模式的可能选择。  关键词：P2P 网络借贷平台  运营模式  风险控制      I                  The operation mode of the P2P lending platform research in China Abstract  P2P lending since 2007 introduced our country present rapid development trend, as of the end of December 2015, the normal operation of P2P network platform 2595home loan, loan balance has amounted to 439.461 billion yuan.Much starkerchoices-and graver consequences-in planning also explicitly put forward to exert the P2P mode of Internet financial models such as lending to network platform to meet the demand of financing small and remote areas, by pratt whitney financial and financial power of the real economy.However, with the persistence of e rent treasure events this year, the platform itself run road, out of business, the withdrawal difficult, problems of economic intervention has been exposed, series of risks that many investors.So P2P platform should how healthy sustainable development?The operation mode of the P2P lending platform can have more better try? P2P network credit platform as a widely used and evol