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1、AbstractAsanimportantpartofthefieldofInternetfinance,P2PwillbetheInternetandfinancialinnovationdepthintegration.From2014,theindustrygotintolarge-scaleexplosivegrowth.Expectedbytheendof2015,onlinetradingvolumewillreach80billion.Plusthelineofbusiness,theoveralls
2、izewillexceedtrillionlevel.TheemergenceofP2P,asareformofthefinancialsystemofChina,hasbeendevelopedandexpanded,whichhaspromotedthedevelopmentofthenationaleconomyandpromotedthepaceoffinancialinnovation.Buttherearerisks,problemsandworriesemergeinanendlessstream.P
3、2PintegratedInternetinformationservicesandfinancialservices,manyinnovativeproductsbusinessboundaryisveryvague,leadingtodifficulttoimplementthetraditionalsupervision,resultingintheabsenceofsupervisionandefficiency.Thecombinationofonlineandofflinemode,makingtheb
4、usinessopaqueandasymmetricinformation.Internetfinanceinstitutionsinproductinnovation,duetothelackofprofessionalmanagementexperienceandthenonsystematicriskpreventionmechanismandcontrolability,resultinginmanyP2Pplatforminthefinancialwrongmechanismandtheinterests
5、ofthedistributionmechanism,etc..Theessenceoffinanceistheriskmanagement,andtheoperationofanysuccessfulfinancialenterprisecannotbeseparatedfromthelegalandregulatory,goodcontrolofliquidityandcreditrisk.Therefore,itisveryimportanttostudytheproductinnovationandindu
6、strysupervision,andtheestablishmentofriskcontrolandcreditratingsystemofP2Penterprises.Throughliteraturesurvey,statisticalanalysisandempiricalresearch,thispaperstudiestheindustry,product,riskcontrolandsupervision.TofindouttheopportunitiesandpotentialrisksofP2Pb
7、usinessmodelandproductinnovation,andthepotentialriskpointsofP2Pbusinessplatform,weproposetostrengthenriskcontrolofplatform.Finally,fromthemainproblemsofthecurrentregulation,thepaperputsforwardthemainpointsandmethodsofdomesticP2Pindustry万方数据supervision.Keywords
8、：P2P，FinancialInnovation，RiskControl，InternetFinance，Supervision万方数据目录第1章引言..............................................11.1研究工作的背景和意义..........................................11.
