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ID:32085978
大小:1.19 MB
页数:67页
时间:2019-01-31
《中国p2p网络借贷平台风险管理分析》由会员上传分享,免费在线阅读,更多相关内容在学术论文-天天文库。
1、ABSTRACTTheappearanceofP2PplatformduetotherapidlydevelopmentofglobalInternettechnology.P2PplatformshowthecombinationoflendingfinancialdisintermediationandInternetinthepersonalsideoftheenormousenergyisamajorinnovationoffinancialconceptsandmethods.P2Pplatformshowsenormousenergyonpe
2、rsonalside,bycombinationofInternetandfinancialdisintermediation,isamajorinnovationoffinancialconceptsandmethods.SincetheconstructionofthefirstP2PPlatform“Paipaidai”inourcountry,P2Pindustryshowedexplosivegrowth.OnMarch,2015,thenumberofworkingplatformsis1728,thetradingbalanceisover
3、15billionyuan,theaccumulatedturnoveris50billionyuanabove,theP2Ptradingscaleofourcountryisnowtakingthefirstplaceintheworld.TherapiddevelopmentofP2PindustryinChinamaycausedbythefinancingneedofsmallcompaniesandperson,whichdepressedbythefinanceenvironmentinourcountry,andcannotbesatis
4、fied.Becauseofthedelayedofregulatorysupervisiononplatform,P2Pindustrystillinasituationof“nobarrierstoentry,noindustrystandardandnosupervisiondepartment”,resultingthepresenceofmanyproblemsonP2Pindustry,suchaslackoflegalregulatory,therealityofaccountmanagingandsafetydoubts,credittr
5、ansactiondifficulties,normalsituationsofmisappropriationonfunds,inadequatedisclosureofinformationandsoon.Legalrisk,creditrisk,moralriskandalsooperationalriskbecomemoreandmoresevere.Accordingtothestatisticalresultof“Wangdaizhijia”,since2011,theproblemplatformsreaches557,which275pl
6、atformsburstoutproblemsin2014,thenewlyproblemsplatformin2015has183.Fundcannotbepaid,runawaycompaniesandclosedownproblems,puzzlingtheP2Pindustrydeeply.FocusingonvarioustypesoffinancialriskandexposureforthedevelopmentoftheP2Pindustryproblems,thisarticlesuggeststhatweshouldstrengthe
7、ninternalriskcontrolfromthreedimensions,legislationtoregulatetheregulators,P2Pindustryself-regulation,P2Pplatformriskpreventionandcontrol,basedonthestudyofBritainandAmericanexperience.II万方数据Toclearthemainregulatoryframework,theestablishmentofentryexitsystem,strengthenfinancialsup
8、ervisionofcustodyandclearing,development
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