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本文有通过对 P2P 经营模式的探讨和案例分析，提出 P2P 网贷平台存在的
很多问题，比如缺乏法律和行业监管、没有明确定位、进入门槛很低造成了问题
平台的大量出现，欺诈、管理者失联、资金链断裂、暂停营运、提现困难甚至涉
嫌刑事犯罪的情况时有发生。但笔者认为主要原因为平台经营不善的问题，从业
人员专业水平不高，盲目经营，低估运营成本，最终导致资金不足，缺乏风控能
力。有的平台还盲目扩大借款金额、搞期限错配，甚至还有的平台设立时就违规
违法。因此 P2P 平台必须转变经营方式，提升自身的管理水平。本文的特色之处
在于提出了用供应链金融与 P2P 平台相结合的方式，来解决 P2P 平台目前存在
的问题，提高 P2P 平台的经营能力。依托供应链金融中的大企业和银行，能有效
掌控中小企业的信用状况，减少出现坏账风险，保证平台持续经营，确保投资人
的权益不受损失。另外，本文还从降低平台经营风险的角度出发，提出以完善平
台征信系统的方式，来提高征集人的水平。结合了供应链金融条件下 P2P 的创新
方式，说明了未来 P2P 平台创新的 3 个路径，为今后 P2P 平台的发展提出了可
供选择的方向
关键词：
P2P、金融风险、信用、小微企业
1ABSTRACT
P2P called the Peer to Peer lending, this is the result of network
communication technology noun in the context of the financial sector, become a kind
of relying on the network: the name of the new financial model of which refer to both
the mediation through the network platform to realize borrowing. Is developing
rapidly in recent years, the P2P lending, become the life-blood of Internet finance an
important, increase investment and financing channels for small and medium-sized
enterprises and individuals, has been included in the pratt &whitney financial category,
as a powerful supplement of traditional financial.
This article has discussed based on P2P model and case analysis, put forward
many problems of the network credit platform, such as the lack of law and regulation
of industry, there is no clear positioning, low barriers to entry are causing problems
platform, fraud, managers lost, capital chain rupture, suspend operation, withdraw
difficult or even suspected criminal cases have occurred. But the author thinks that the
main reason for poor management of platform of problems, from personnel of course
of professional level is not high, business blindly, underestimate the operating costs,
eventually leading to insufficient funds, lack of risk control ability. Some platform
also blindly expand loan amount, term mismatch, and even a platform to set up in the
illegal violations. So P2P platform must change mode of operation, to improve its
management level. In this paper, the characteristic is proposed using a combination of
supply chain finance and P2P platform, to solve the present problems of the P2P
platform, improve the management ability of the P2P platform. Based on the large
companies and Banks in the financial supply chain, effective control of the small and
medium-sized enterprises credit conditions, reduce the risk of bad debts, to ensure
continued operation of platform, ensure QuanYiBu loss of investors. In addition, this
article from the perspective of reducing the risk of platform management, put forward
to improve the platform of credit systems, to improve the level for people. Also
combines the supply chain financial condition of the innovative ways of P2P,
illustrates the three paths of future P2P platform innovation, pointed out the direction
for the development of P2P platform in the future.
Key words: P2P; financial risk; credit; small and micro enterprises
2目 录
中文摘要
..I
ABSTRACT........ II
第章 绪 论
........5
1.1
研究背景.5
1.1.1
选题背景..5
1.1.2
选题意义..6
1.2 国内外研究现状..6
1.2.1 国外研究综述.......6
1.2.2 国内研究现状.......7
1.3 研究方法..8
1.4 研究内容..8
1.5 完善模式的措施..9
第章
P2P
网络借贷的基本理论
........11
2.1 P2P 网络借贷基本概况.11
2.1.1
定义........11
2.1.2 P2P 网络借贷产生背景 .11
2.1.3 P2P 网络借贷的特点 .....11
2.2
网络借贷 P2P 海外市场发展历程.......12
2.2.1 Lending Club：全美最大在线 P2P 平台 ..........12
2.2.2 OnDeck Capital：大数据小贷公司.......15
2.3 P2P 引入中国.....16
2.4
中国 P2P 平台的典型方式.......17
2.5
中国与海外网络借贷 P2P 市场对比...20
2.5.1
市场征信环境差异........20
2.5.2
商业模式和用户体验方面的差异........20
2.5.3
核心竞争力不同20
2.5.4
专注中小企业和个人的服务商21
2.5.5
信息中介是互联网金融的必然选择....21
2.5.6
行业监管经验可以借鉴21
第章 中国
P2P
网贷平台的机遇和挑战
.......23
3.1
中国 P2P 网贷市场现状和未来预期...23
3.1.1
发展现状23
3.1.2 P2P 的预期 .........23
33.2
中国 P2P 网贷平台存在问题分析.......25
3.2.1
来自 P2P 网贷平台自身的问题 ...........25
3.2.2
来自 P2P 网贷平台外部的问题 ...........28
第章 完善
P2P
平台的经营模式
.......29
4.1
转变 P2P 平台经营方式...........29
4.1.1
加强管理和经营能力....29
4.1.2
明确 P2P 平台担保责任 ...........29
4.1.3
实行第三方托管制度....29
4.1.4
杜绝资金池和自融........30
4.1.5
行业协会自律....30
4.2
形成供应链 P2P 平台经营模式...........
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