P2P 网络借贷 2005 年起源于英国，2007 年进入中国，作为互联网科技 和传统信贷相结合的产物，能够有效解决借款人在中国商业银行传统信贷中 融资难的问题，但作为一个缺乏行业标准和规范的新兴行业，P2P 网络借贷 在发展的过程中，风险事件层出不穷，社会影响恶劣，而本文研究的 P2P 网 络借贷平台交易资金由商业银行存管可有效解决这一问题，同时还可为商业 银行增加存款和资产托管规模，并带来可观的中间业务收入。 本文针对 P2P 网络借贷平台交易资金存管业务的发展进行了研究，研究 对象是本人原所在工作单位中信银行，主要从以下几方面进行研究，首先是 对论文研究的背景进行阐述并提出问题，进而对论文研究的目的和意义进行 论述，并对国内外研究现状进行了分析；其次又对研究对象的内外部环境进 行了分析，并运用了 SWOT 分析法总结了研究对象所具有的优势和劣势，以 及面对的机遇和威胁，第三部分根据已提出的问题和 SWOT 分析结果，结合 中信银行自身发展现状，为中信银行发展 P2P 网络借贷平台交易资金存管业 务提出了相应的发展对策，最后为了保证上述对策的顺利实施，提出了一些 保障措施。作者从事资产托管业务多年，希望通过本文的研究，为中信银行 在今后的发展过程中提供一些新的创新产品和利润增长点，同时也希望给现 在工作所在银行以及其他商业银行提供一些参考和借鉴，使其能够在竞争日 趋激烈的经济发展环境中探寻新的业务发展方向和利润增长点。 关键词：P2P；网络借贷；平台交易资金；资产托管；资金存管；金融监管哈尔滨工业大学工商管理硕士学位论文 - II - Abstract P2P lending originated in Britain in 2005, entered China in 2007, as the combination of internet technology and the traditional credit, it can effectively solve the borrowers’ credit problems in the traditional Chinese commercial banks , but as a new industry lack of industry standards and specifications, the P2P lending emerged endless risk events in the process of development, and brought bad social influence, P2P lending platform funds maintained and managed by the commercial banks can effectively solve this problem. This dissertation studied on the P2P lending platform funds management development of China CITIC bank. The research object is China CITIC bank,which is my former employer, it mainly studies from the following parts.Firstly,the research background and significance are elaborated, and the questions are raised;and the research status at home and abroad are analyzed; Secondly,the internal and external environment of the research object is analyzed,and the SWOT analysis method is used to summarize the strengths and weaknesses of the research object,as well as the opportunities and the threats it faces; In the third part,according to the existing problems and the SWOT analysis results, combined with the development status of China CITIC bank itself, the corresponding development is put forward for China CITIC bank to develop P2P lending platform funds. Finally, in order to ensure the implementation of the above measures, some safeguards are put forward. The author has been engaged in the asset custody business for many years. I hope that through this research, we can provide some new innovative products and profit growth points for the development of China CITIC bank in the future. At the same time, I hope to provide some references for other commercial banks and Huaxia bank, so that they can explore new business development direction and the profit growth point in the increasingly competitive economic developing environment. Keywords: peer-to-peer, peer-to-peer lending, platform funds, custodian banking, funds management, financial regulation哈尔滨工业大学工商管理硕士学位论文 - III - 目 录 摘要...............................................................................................................................I Abstract..........................................................................................................................II 第 1 章 绪论................................................................................................................... 1 1.1 研究的背景与问题提出.....................................................................................1 1.1.1 研究背景.......................................................................................................1 1.1.2 问题提出.......................................................................................................2 1.2 研究目的与意义..................................................................................................3 1.2.1 研究目的.......................................................................................................3 1.2.2 研究意义.......................................................................................................4 1.3 国内外相关研究综述.........................................................................................5 1.3.1 国外相关研究综述......................................................................................5 1.3.2 国内相关研究综述......................................................................................5 1.3.3 国内外研究综述简析................................................................................. 6 1.4 研究内容与研究方法.........................................................................................7 1.4.1 研究内容.......................................................................................................7 1.4.2 研究方法.......................................................................................................8 第 2 章 中信银行 P2P 存管业务发展现状及存在的问题和原因分析..............10 2.1 中信银行简介....................................................................................................10 2.1.1 中信银行概况............................................................................................10 2.1.2 中信银行的组织架构............................................................................... 11 2.1.3 中信银行的整体经营情况.......................................................................12 2.2 中信银行 P2P 存管业务现状分析.................................................................15 2.2.1 中信银行资产托管业务发展现状..........................................................15 2.2.2 中信银行 P2P 存管业务发展现状......................................................... 18 2.3 中信银行开展 P2P 存管业务的 SWOT 分析...............................................24 2.3.1 竞争优势.....................................................................................................24 2.3.2 竞争劣势.....................................................................................................26 2.3.3 面临的机遇................................................................................................ 27 2.3.4 面临的威胁................................................................................................ 27 2.4 本章小结............................................................................................................ 28哈尔滨工业大学工商管理硕士学位论文 - IV - 第 3 章 中信银行 P2P 存管业务发展对策.............................................................29 3.1 加快出台相关制度...........................................................................................30 3.1.1 准入和退出................................................................................................ 31 3.1.2 立项申报流程............................................................................................32 3.1.3 合同签订.....................................................................................................33 3.1.4 业务运营.....................................................................................................33 3.1.5 后续管理.....................................................................................................37 3.2 优选目标市场和目标客户.............................................................................. 37 3.2.1 确定重点营销区域市场...........................................................................37 3.2.2 筛选优质 P2P 平台...................................................................................38 3.2.3 目标客户名单