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1、-----ABSTRACTABSTRACTSincethe21stCentury,withtherapiddevelopmentofelectronicinformationtechnology,theInternethasbecomeanintegralpartofourdailylife.Electronicproductssuchasmobilephoneandcomputers,etc.arecloselyrelatedwithourlife,workandentertainment,etc.,andnewconceptssuchase-commerce,bigdataan
2、dcloudcomputing,etc.arerisingincreasingly.Wehaveofficiallyenteredtheinternetfinancialera.However,thedifficultyinfinancinggenerallyexistsinthedevelopmentofsmallandmedium-sizedenterprisesinourcountry,especiallyafterthefinancialcrisisin2008,thedifficultyinfinancinghasbecometheimportant“bottleneck
3、”thatrestrictsthedevelopmentofsmallandmedium-sizedenterprises.Inthiscontext,P2Pnetcreditplatformriseswiththetimes.TherapiddevelopmentofP2Pnetcreditplatformhaspromotedtheinternetfinancetointoanewstage.ItisofprofoundtheoreticalvalueandpracticalsignificancetoexploretheP2Pnetcreditplatform.Basedon
4、themacrocontextofinternetfinance,thispaperpointsoutriskfactorsexistingindifferentmodesofP2PnetcreditthroughanalysisofthepresentsituationofP2Pnetcredit,andfinallyputsforwardthecorrespondingsupervisorysystemthroughcombinationofresearchesonapplicationcasesofP2Pnetcreditplatform.Themainassignments
5、aresummarizedasfollows:1.ItmakesananalysisofinternetfinanceandP2Pnetcredit.First,itsummarizesthedevelopmentsituationofinternetfinance.Second,itcarriesoutanalysisanddiscussionoftheresearchsituationofP2Pnetcredit,theriskofP2PnetcreditandthemodeofP2Pnetcreditplatform.2.Itcarriesoutresearchontheor
6、yofP2Pnetcredit.First,NinebigInternetthinkingwereputforward,anditanalyzesthecurrenttheoreticalbasisforP2Pnetcredit.Second,itdefinesP2Pnetcredit,analyzesbasiccharacteristicsofP2Pnetcreditanditsspecificoperationprocedure.3.ItcarriesoutresearchonthemodeofP2Pnetcredit.Itanalyzesthedevelopmentmodeo
7、fP2Pnetcreditplatformhomeandabroad.ForP2Pnetcreditplatformabroad,itanalyzessimpleintermediarymodebasedonProspercase,compoundintermediaryIII----西安电子科技大学硕士学位论文modebasedonZopacase,andpublicwelfaremodebasedonKivacase;forP2Pnetcreditplatform