摘要近年来,P2P网络信贷成了解决低收入阶层和中小企业融资困难的重要突破口。伴随着P2P网贷模式的兴起,使得低收入人群和中小企业主的融资渠道得到有效的拓宽,借款人和投资者之间的借贷更加的便捷,融资成本得到了有效降低,P2P的用户可以直接借钱给全国不同地区的借款者,消除了空间上融资的障碍,人们对于P2P行业的发展给予了充分的关注。P2P平台的运营模式在借助互联网的技术,使得网贷平台的运营规模得到快速地发展,对于我国P2P网贷行业的助推作用显著,由此产生了适应区域特色、受众追捧的优质P2P运营模式。本篇论文在主要介绍了P2P的多种模式后,对各种模式进行了相应的利弊分析;然后结合国内投资者的投资心理和偏好,网贷平台项目产品设计特色;分析平台的风险控制流程以及应当注意的风险,归纳总结出适合我国的P2P网贷模式。45402
毕业论文关键词:P2P;网贷模式;心理偏好;风险控制
Abstract In recent years, P2P network credit has become solve the low-income groups and small and medium-sized enterprise financing difficult important breakthrough. Accompanied by the rise of the P2P network model, makes the low-income people and effectively broaden the financing channels of small and medium-sized business owners, between borrowers and investors borrowing more convenient, effectively reduce the cost of financing, P2P users can directly lend money to different areas of the country's borrowers, eliminate the obstacles of space on the financing for the development of P2P industry gave full attention. The operation mode of the P2P platform in the Internet as a technology, makes the network platform operations to get fast development, for our country the P2P network industry booster effect significantly, the resulting to adapt to the regional features, audience of high-quality P2P model. In this paper mainly introduces the perse patterns of P2P, after analysis of the pros and cons of various pattern has carried on the corresponding; And combining with the investment psychology of domestic investors and preferences, network platform project loan product design characteristics; Analysis platform for the risk control process, and attention should be paid to the risk of is suitable for the P2P network model in our country.
Key words:Peer to peer;Network lending;Psychological preferences; Risk control
目 录
摘 要 Ⅰ
Abstract Ⅱ
一、P2P网贷运营模式 1
(一)P2P借贷模式发展 1
(二)借贷平台的细分模式1
(三)国内外的P2P平台运营模式及利弊分析2
二、P2P投资者的心理偏好5
(一)网贷平台产品特色5
(二)投资者心理偏好需求6
(三)P2P平台成交额排名8
三、P2P风控流程的把关分析 8
(一)P2P网贷公司自身的违规行为控制 9
(二)网贷公司不合格人才的风险控制10
(三)借款项目的信用风险控制10
四、总结适合我国的P2P网贷运营模式11
参考文献 13
我国P2P网贷模式运营研究
近年来,P2P网络信贷成了解决低收入阶层和中小企业融资困难的重要突破口。传统的小额信贷公司无金融执照,只能发放贷款不能吸收存款,依靠其自有资金进行运营,放贷规模十分有限,同时,其受限于人力、物力等成本、以及时空上的约束,全国众多中小企业融资难的问题远仍未得到有效解决。
P2P网贷平台的运营模式在中国产生了不同形式的创新,相较于美国P2P平台Lending Club作为信息中介者收取服务费的纯平台模式。担保模式和抵押物模式在中国显然得到更多投资者的追捧。在此背景下,现阶段研究适合我国P2P网贷运营的模式十分必要,对未来我国P2P行业的发展具有重要的意义。 我国P2P网贷运营模式研究:http://www.751com.cn/kaiti/lunwen_46814.html