欢迎来到天天文库
浏览记录
ID:50153161
大小:4.96 MB
页数:53页
时间:2020-03-04
《P2P网络借贷监管的研究.pdf》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、内容摘要内容摘要移动互联技术的突飞猛进,W及移动终端的日新月异,使互联网获得极大的发展,而在当今社会经济中,资本又是促进各行业发展的义须资源,因而资一起本与互联网天然的结合在,为资本资源的再分配起到重要的作用,不但弥补了很多质素较低的企业无法获得间接敲资的困境,而且很多P2P平台化为中小经济主体提供小额贷款,使更多的民众能够更加便捷、更加深入的参与到金融经巧生活中来。但是随着P2P的发展,企业出现了众#的问题,违约的问题、风险的问题等等,因而对其进行必要的监管化是呼之欲出。本文首先从P2P的
2、发展入手,综合梳理了P2P的声生背景,概念发展,结构特征、经营的方式方法等,而后重点分析了我国P2P领域的经营现状W及风险来源,风险不仅来自于经营本身,更来自于整体的监督缺失,因而在借鉴英P2P发展和监督的经验的基础上美国家,本文最后提出了相关的政策建议包,括P2P自身经营的规范性,W及监管的全面性等。关键词:P2P网络借贷平台运营模式风险控制AbstractAbstractWteve-rceaithhecontinuousinnovationandrapiddlopmento
3、fecommendmobile打etworktechnology.Intemettechnologybegantoprevailinareasofthefinancialindustry.Moreneedoffinancingcapitalinsmallormicrocompanyand化eincreaseofublicinvestmentdemandmakeP2Plendinshowvigorousdevelopmenttendasp,go
4、nemodeofinternetfinancial.Withtherapiddevelomentofeertoeerlendinpppg,manyoftheissueslikefalseinformationfraudrunninandlatformscollasehave,gppbeenexposed.Thereasonwhytheseproblemsexposedisdue化elackofregulationofeertoeerlend
5、inindustry?虹ordertoensure化ehealthydevelopmentppgof化eP2Pindustrandrotect化einterestsofinvestors化isurentfor化ereulatoryp,ggyagenciestomakeappropriateregulatoryapproach.ThispaperfirstlydescribesthebackgroimdofthedevelopmentofP2P
6、networklendinlatformanditsconcetfeaturesfunctionsoerationmodeandoerationgp,p,,,ppprocess,etc.,aswellasthecurrentdomesticandinternationaldevelopmentstatus.Then-aonstheaerfocusesonitsroblemsexistininourotiuchaslealrisk,pppgpo,g,
7、regulatoryrisk,creditrisk,platformcontrolrisk.Contrary化化eproblemsoftheP2Pnetworkborrowingsindustryin化eformertextjfinally,Iproposesomeresolutionsform-orkndnafotwolevels.ThemicroleveltheP2Pnetwleiltrmimrovethe,gpp化e-systemconstruct
8、ionandstrenthenitsriskcontrolcaaWlitmacrolevel化lagpy;,py'oanmthecountrsmacruidancedsuervisionroleeseciallyiro
此文档下载收益归作者所有