本文认为，地方性 P2P 借贷企业是 P2P 借贷行业的一个缩影，根据前面所提
到的各种风险，结合个案，提出一些切合实际的对策与建议，帮助其更好的发展
关键词：风险控制，P2P 企业，政策建议II
The Risk Control of P2P Loan Companies
ABSTRACT
Credit companies in the development process, many companies is out of the market collapse
due to the risk control, therefore accelerate the risk control system construction of P2P credit
business, and effectively protect the interests of investors and stabilize the healthy development of
enterprises is very important. In this dissertation, from the perspective of enterprise employees and
practitioners of a local P2P credit, and to see the P2P Credit industry development present
situation, prospects, and the existing problems in our country, especially the risk control problem
of P2P Credit enterprise. Firstly, this article to define the concept of P2P credit, and give the
explanation about the P2P credit companies at home and abroad, the situation of the development
and status quo, then combined with present situation of domestic and foreign development, and the
operation mechanism of P2P credit patterns, in order to find out the plight of the P2P credit
enterprise development in our country and opportunity. Secondly, raises the most serious problem
of the P2P credit enterprise-risk control. Finally, analyzes from both inside and outside based on
the P2P credit enterprise risk sources, internal risk mainly include: Internal operational risk, the
borrower defaults triggered by the credit and reputational risks, business model risks, liquidity risk,
information and technology risks. External risk mainly include: legal and policy risk, market risk.
This dissertation argues that local P2P credit enterprise is a microcosm of the P2P credit
industry, according to the previously mentioned of all sorts risks, combined with the case, putting
forward some practical countermeasures, and help the enterprise to have better development.
Key Words： Risk control， P2P enterprise， Policy recommendations目 录
1 绪论........1
1.1 研究背景与意义.1
1.2 研究现状.2
1.2.1 关于 P2P 借贷的定义.......2
1.2.2 国外的相关研究...3
1.2.3 国内的相关研究...4
1.3 研究思路与方法.6
2 P2P 借贷企业的发展及现状.....8
2.1 P2P 借贷企业的发展......8
2.1.1 P2P 借贷企业的起源.......8
2.1.2 P2P 借贷企业在全球范围内的发展.......8
2.1.3 P2P 借贷企业在中国的发展.......8
2.2 P2P 借贷企业的现状......9
2.2.1 法律空白，缺乏监管......9
2.2.2 信用风险高发....10
2.2.3 第三方支付平台资金托管.........10
2.2.4 快速发展与乱象纷呈并存........12
3 P2P 借贷企业存在的风险及控制方式分析...13
3.1 P2P 借贷企业的风险来源分类13
3.2 内部风险...........13
3.2.1 内部操作风险....13
3.2.2 借款人违约引发的信用风险和声誉风险........15
3.2.3 运营模式风险....15
3.2.4 流动性风险........17
3.2.5 信息和技术风险17
3.3 外部风险...........19
3.3.1 法律和政策风险19
3.3.2 市场风险20
3.4 P2P 借贷企业的风险控制方式分析....203.4.1 内部风险控制方式........20
3.4.2 外部风险控制方式........21
4 宁波 H 财富公司的案例分析...23
4.1 H 财富公司所在区域 P2P 企业现状调研........23
4.1.1 H 财富公司所在区域 P2P 企业基本情况.........23
4.1.2 H 财富公司所在区域 P2P 企业经营运营情况分析.....24
4.2 H 财富公司存在的风险及主要风险控制方式分析....26
4.2.1 H 财富公司基本情况.....26
4.2.2 H 财富公司存在的风险.27
4.2.3 H 财富公司主要风险控制方式.30
4.3 小结.......32
5 P2P 借贷企业的风险控制措施...........33
5.1 内部风险控制措施.......33
5.1.1 加强内控建设，重视培训，提高运营管理能力........33
5.1.2 基于互联网思想，加强借款人审核 ..........34
5.1.3 合理度量平台实力，选择适合自身实际的发展模式和方向...35
5.1.4
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