社会资金融通在 P2P 网络借贷的作用下显著提高了其匹配效率，个人和中小企业融资
难的问题也得到了一定程度的缓解，国家制定了更多的相关政策给与其充分的鼓励

发展初期，P2P 网络借贷缺少完善的监管政策，再加上准入门槛较低，其发展碰到了
诸多困难和问题，即此领域中发生了越来越频繁的借款人资金链断裂、网贷平台跑路
等事件，造成了恶劣的社会影响。所以，作为新兴金融行业，P2P 网络借贷面临的最
大挑战莫过于对可能存在的风险进行有效预警。对于 P2P 网络借贷平台，为减少因风
险而导致的各种后果，必须做好风险预警的相关工作，提前开展风险防范的工作，进
而实现金融行业稳定、健康、可持续的发展

处在当前的大环境中，本文首先深入分析和研究了互联网金融、P2P 网络借贷，
及其风险预警的相关理论基础，以此为基础，总结对 P2P 网络借贷平台风险产生影响
的相关因素，综合指标筛选原则完成风险预警模型的构建。本文选取的样本平台共计
21 家，完成平台数据的收集，利用主成分分析法对平台的风险值进行度量，以此为
依据，对平台风险程度实施判断，然后通过指标体系验证，得出了模型的实用性。最
后基于研究结果，在投资者、平台、监管等不同的角度提出了应对网络借贷平台风险
的相关措施，为互联网金融行业的持续键康发展做出贡献

关键词：互联网金融；P2P 网络借贷；风险预警；主成分分析法基于 P2P 互联网借贷平台的互联网金融风险预警
I
ABSTRACT
P2P network lending is one of the main forms of Internet banking, and achieved
explosive development in 2013. Social financing in P2P network lending under the effect
of significantly improve the matching efficiency, individuals and small and medium-sized
enterprise financing difficult problem has been alleviated to a certain extent, the state
formulated relevant policies to encourage more fully with the. The initial stage of
development, lack of perfect P2P network lending regulatory policies, coupled with
relatively low barriers to entry, its development encountered many difficulties and
problems, which occurred in this area, the borrower capital chain rupture and more
frequent net loan platform to run away and other events, resulting in adverse social impact.
Therefore, as the emerging financial industry, the biggest challenge facing P2P network
lending is the effective warning of possible risks. For the P2P network lending platform, in
order to reduce the consequences caused by risks, relevant work must be prepared to risk
early warning, risk prevention work carried out in advance, so as to realize the
development of the financial industry stable, healthy and sustainable.
In the current environment, this paper deeply analysis and Research on the Internet
financial, P2P lending network, the relevant theoretical foundation and risk warning, on
this basis, summarized the relevant factors influencing the P2P network lending platform
risk, comprehensive index screening principle to finish the construction of risk early
warning model. This paper selects the sample platform for a total of 21, complete platform
for data collection, risk analysis method of platform value measurement using principal
components, on this basis, the implementation of judgment on the platform of the degree of
risk, and then through the verification of the index system, the practicability of the model.
Finally, based on the results of the study, the paper puts forward some measures to deal
with the risks of the online lending platform from the different angles of investors,
platforms and supervision, and makes contributions to the sustainable development of the
Internet financial industry.
KEYWORDS: Internet Financet;P2P lending;risk-warning;Principal component analysis基于 P2P 互联网借贷平台的互联网金融风险预警目 录
第一章 绪论....1
第一节 研究背景1
第二节 国内外研究现状2
一、国内研究现状.........2
二、国外研究现状.........3
三、国内外研究评述.....4
第三节 研究目的与意义5
第四节 研究内容、方法与创新5
一、研究内容.....5
二、研究方法.....6
三、可能的创新.7
第二章 相关理论研究8
第一节 互联网金融........8
一、概念.8
二、互联网金融的模式.8
三、互联网金融的特点...........10
第二节 互联网金融风险..........12
一、概念...........12
二、主要风险类型.......12
三、互联网金融风险的特征...13
四、互联网金融风险产生的原因.......14
第三节 P2P 网络借贷...15
一、P2P 网络借贷概念........... 15
二、P2P 网络借贷风险........... 15
第三章 P2P 网络借贷平台风险预警模型的构建..17
第一节 P2P 网络借贷运营模式...........17目 录一、纯线上中介模式...17
二、线上与线下结合模式.......17
三、引入第三方金融机构模式...........17
第二节 P2P 网络借贷风险指标的确定...........18
一、风险指标筛选原则...........18
二、风险评价指标的确定.......18
三、风险评价指标的度量.......20
第三节 主成分分析法风险度量的方法..........21
一、主成分分析法的原理 ...........21
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