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1、P2P网络借贷模式下小微企业融资风险的探究Theinvestigationofmicro-enterprisefinancingriskinP2Plendingmode摘要当前，P2P网络借贷已经成为小微企业民间融资的一种新途径，但是，在其方便、快捷、成功率高的背后，也存在不少隐忧。探索P2P网络借贷平台的区域发展模式，方能降低融资风险，促进小微企业的发展。P2P网货与小微企业的共同成长已成为有目共睹的事实。文章基于小微企业PZP网络货款平台融资的收益及风险权衡分析，真正做到扶持小微企业，实现PZP网货与小
2、微企业的共荣共赢。本文通过了解P2P网络借贷的背景和意义，研究它的概念及优势，分析了在P2P网络借贷模式下小微企业所面临的各种问题，并提出了相应的建议和解决措施。最后选择拍拍贷进行实证研究，通过对拍拍贷数据的实证分析，得到影响出借人出借资金的可能性的因素。发挥P2P网络借贷在小微企业融资中的积极作用，结合网络借贷存在的问题和实证结论，相应的提供一些政策建议。首先，政府明确借贷平台的性质，确定监管主体；在完善相关法律规范的同时，健全监管制度；加强个人和小微企业信用体系的建设。其次，加强平台自身建设，建立风险储
3、备金防范风险。个人和小微企业要提高信用价值意识，注重平台社会资本的积累与维护。关键词：P2P网络借贷、小微企业、融资AbstractCurrent,P2Pnetworklendinghasbecomeanewwayofprivatefinancingofsmallandmicroenterprises,but,initsconvenient,fast,highsuccessratebehind,therearealsoalotofworries.ExploretheareadevelopmentmodelP
4、2Pnetworklendingplatform,inordertoreducefinancingrisks,andpromotethedevelopmentofsmallandmicroenterprises.GrowP2Pnetworkgoodsandsmallbusinesseshasbecomeobviousfact.ArticlebasedonincomesmallbusinessesPZPnetworkpaymentplatform,financingandrisktrade-offanalys
5、is,trulysupportsmallandmicroenterprises,andPZPcargonetwithsmallandmicrobusinesseswin-winandcommonprosperity. ByunderstandingthebackgroundandsignificanceofP2Pnetworklending,studiesitsconceptandadvantages,analyzesvariousproblemsfacedbysmallandmicroenterpr
6、isesintheP2Pnetworklendingmodel,andputsforwardsuggestionsandsolutions.Finally,chooseapat-primeempiricalresearch,empiricalanalysisofthedataoftheloanpatgivelendersfactorsinfluencepeoplelendingmoneypossibilities. PlayanactiveroleintheP2Pnetworklendingofsma
7、llmicro-enterprisefinancing,combinedwithnetworkloanproblemsandempiricalconclusions,appropriatetoprovidesomepolicyrecommendations.First,thegovernmentclearthenatureoflendingplatformtodeterminetheregulatorybody;atthesametimeimprovetherelevantlawsandregulation
8、s,improvetheregulatorysystem;strengthentheconstructionofindividualandsmallmicro-enterprisecreditsystem.Secondly,tostrengthentheconstructionoftheplatformitself,toestablishariskreserveriskprevention.Individuals
