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1、毕业论文题目论我国P2P网贷平台的发展现状问题及对策姓名学号20127616系部经管系专业年级2012级金融指导教师2016年5月15日中南林业科技大学涉外学院本科毕业论文诚信声明本人郑重声明：所呈交的本科毕业论文，是本人在指导老师的指导下，独立进行研究工作所取得的成果，成果不存在知识产权争议，除论文中已经注明引用的内容外，本论文不含任何其他个人或集体已经发表或撰写过的作品成果。对本论文的研究做出重要贡献的个人和集体均已在文中以明确方式标明。本人完全意识到本声明的法律结果由本人承担。本科毕业论文作者签名：年月日摘要随着近年来互联网金融的火热，P2P网络借贷平台，借助互联
2、网平台和民间借贷的相结合，获得蓬勃发展。在国内，由于其收益率高，P2P网贷平台的早期融资并不困难。近年来P2P网贷平台的扩张异常迅猛，但由于其门槛低，缺乏监管部门，P2P网贷平台频发卷款潜逃、欺诈、投资者血本无归等事件。本文从我国P2P网贷平台行业概况出发，分析当今行业现状、各自不同的运营模式和存在的问题，建议国家应该制定相关法律法规，明确监管主体和监管法规，引导行业自律，加强个人征信体系建设。同时网贷平台应引进第三方合作机制，增强风险把控能力，从投资人，贷款人，加强监管，从而促进P2P行业积极健康的发展。关键词：P2P民间借贷模式法律AbstractWith the
3、prevalence of Internet banking in recent years, P2P network lending platform, with the combination of the Internet platform and private lend to obtain vigorous development. In China, due to its high rate of return, the early financing of P2P network lending platform is not difficult. In
4、recent years, the expansion of the P2P network lending platform unusually rapid, but due to its low threshold, the lack of regulatory authorities, absconding with money, fraud, investors lose everything and other events frequently happened.Starting from the general situation of P2P netwo
5、rk lending platform industry in our country, this paper analyses the industry at present, different operation mode and existing problems, and suggested that the state should formulate relevant laws and regulations, make regulation subject and regulation clear and lead the industry self-r
6、egulation, strengthening the construction of personal credit system. At the same time net lending platform should introduce third party cooperation mechanisms to enhance risk control capabilities, from investors, lenders, to strengthen supervision, so as to promote the healthy developmen
7、t of the P2P industry. Keywords：P2PPrivatelendingModeLegal目录1引言11.1研究背景11.2研究意义22我国P2P网贷平台发展现状22.1P2P网贷平台发展模式多样化32.2P2P网贷平台成交额地域分布集中42.3P2P网贷平台贷款余额日益扩大53我国P2P网贷平台发展问题53.1监管缺失导致资金风险63.2P2P网贷平台产品异化63.3个人征信体系不太完善73.4第三方机构的缺失或虚假74我国P2P网贷平台发展对策74.1制定相关法律法规，明确监管主体和监管法规84.2加强行业自
