论文总字数：21660字

摘 要

P2P网络信贷平台运行高效、快捷，网络信贷通常为小额无抵押借贷，主要服务人群是中低收入阶层，成为补充银行体系投融资的新渠道。P2网络信贷平台构成了多层次资本市场的一部分，使金融产品种类更多样化。P2P平台投融资业务作为新生事物得到了快速发展，同时也暴露了很多问题，互联网金融监管的滞后以我国P2P平台过多、平台运行模式变异，大量问题平台给众多投资者带来巨大资金损失。如何通过风险因素识别问题平台，使投资者可以及时止损以维护正当权益，以及如何防范这些问题平台的产生，有重要的研究意义，这对我国今后P2P网络信贷平台的长期健康发展有实践意义。

本文研究国内外P2P网络信贷平台的发展，结合相关经济学理论进行分析，介绍国内外较典型的P2P网络信贷平台模式，并从问题平台特征着手展开调研，在“网贷天眼”和“网贷之家”搜集数据，依据国内P2P网络信贷平台运营模式，将导致这些特征的风险列举出来并提出相应的防范措施。文章以实际案例仔细分析其中出现问题的网贷平台，并选取正规平台进行对比，分析其失败时产生的一系列问题，从而使投资者了解其特征，从而在网贷方面能更加谨慎的选择，减少因平台出现问题而导致的资金亏损。

关键词：P2P网贷； 问题网贷平台；平台特征分析；平台对比

Characteristic Analysis of P2P Network Loan Problem Platform

Abstract

P2P Network Credit Platform operating efficiently and quickly.Internet credit is usually small unsecured loans.The main service groups are middle and low income groups.It has became a new channel for supplementing the Investment and Financing of the Banking System.P2 network credit platform forms part of multi-level capital market.And it makes diversification of financial products.As a new thing, the investment and financing business of P2P platform has developed rapidly.The lag of Internet financial supervision is due to the excessive number of P2P platforms in China and the variation of platform operation mode. A large number of problematic platforms have brought huge capital losses to many investors.How to identify the problem platform through risk factors, so that investors can stop losing in time to safeguard their legitimate rights and interests, and how to prevent the emergence of these platforms, has important research significance, which is of practical significance for the long-term healthy development of P2P network credit platform in China in the future.

This paper studies the development of P2P network credit platform at home and abroad, and analyses it with relevant economic theory，and introduces the typical models of P2P network credit platform at home and abroad, and carries out research from the characteristics of the problem platform.In order to collect data from "Internet Credit Eye" and "Internet Credit Home", and according to the operation mode of domestic P2P network credit platform, the risks leading to these characteristics are listed and the corresponding preventive measures are put forward.The article carefully analyses the problem of online loan platform with actual cases,and select the normal platform for comparison.Analysis of a series of problems arising from its failure,so that investors can understand their characteristics, so as to be more cautious in the choice of online lending, reduce the loss of funds caused by platform problems.

Keywords:P2P net loan; Problem Internet Loan Platform; Analysis of Platform Characteristics;Platform Comparison

目 录

摘要 .Ⅰ

Abstract Ⅱ

第一章 绪论 1

1.1研究背景及意义 1

1.2研究思路及研究方法 1

1.3研究内容及论文框架 1

1.3.1研究内容 1

1.3.2论文框架 2

第二章 文献综述 3

2.1网贷平台的风险 3

2.2网贷平台与的特征分析 3

2.3解决问题平台的建议 4

2.4文献评述 4

第三章 我国问题网贷平台现状及原因分析 5

3.1 P2P问题网贷平台的现状 5

3.1.1 P2P问题网贷概况 5

3.1.2 P2P问题网贷现状 5

3.2P2P问题网贷平台出现原因....................................................................................... 7

3.3本章小结 8

第四章 P2P问题网贷平台特征分析 9

4.1问题网贷平台特征 ..........................................................................................................9

4.1.1注册时间..................................................................................................................9

4.1.2注册资金..................................................................................................................9

4.1.3 担保模式................................................................................................................9

4.1.4 借贷对象................................................................................................................9

4.1.5第三方....................................................................................................................9

4.1.6 信息披露................................................................................................................9

4.2正规网贷平台特征 10

4.3问题网贷平台与正规平台的特征对比. 10

第五章 案例分析 12

5.1 典型问题平台-以国金宝为例.......................................................................................12

5.2 典型正规平台-以陆金服为例 .......................................................................................13

5.3 本章总结-两种平台的对比............................................................................................... 13

第六章 对策与建议 ....................................................................................................................14

结论 ...............................................................................................................................16

致谢 ....................................................................................................................... 17

参考文献 18

附录.................................................................................................................................................19

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