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摘要二十一世纪互联网快速发展，互联网颠覆了许多领域，近几年在互联网金融方面特别突出。互联网给人们带来了信息及融资的便利，P2P作为新型的互联网金融也逐渐出现。P2P的缩写是Peer-to-peer，简单地说，就是有资金出借意向的出借人通过互联网借贷平台，将资金出借给有资金需求的借款人。P2P网络借贷也逐渐通过互联网进行发展，网络借贷平台应运而生。由于互联网的延伸范围广，借助互联网的小额借贷也突破了地域等条件的限制，成为广泛意义上的个人对个人借贷。47646
从2007年在我国开始兴起P2P网络借贷模式到现在，已经发展出不同的模式，虽然在不同程度上改善了民间借款困难的状况，但也一直伴随着巨大的风险问题。本文通过概括得出我国发展P2P网络借贷的必要性及在我国的发展现状，分析归纳我国P2P网络借贷主要的风控模式，分别从平台运行模式、成交量、收益来源、平台审核方式、逾期率、投资人数、借款人气等方面进行分析，通过具体案例分析并对其进行总结，运用比较分析法提出未来我国P2P网络借贷的风控模式的趋势，综合分析出现阶段我国P2P网络借贷存在的问题及风险，并提出可行性对策和建议。
Abstract: During 21st century, internet is developing rapidly and has been involved in many areas, especially in The Internet Finance. As the Internet provides us with information and financing convenience, the new-style Internet Finance called P2P appears. Peer-to-peer briefly means that the willing lenders can lend their money to the borrowers who are demand for funds through the platform of Internet. So P2P, the internet debit and credit platform emerges and develops. As the far extension of Internet, the micro-credit has made a breakthrough in the restrictions of many conditions such as regions by Internet, and became the widely known Peer-to-peer debit and credit model.
The P2P debit and credit model has developed into many modes since it grew in 2007. Though the difficult situation of the nogovernmental debit and credit has been improved, huge risk also exists all the time.
In this article, it summarizes the necessity and development status of P2P in our country, analyzes and concludes the main risk control model of P2P, and also proposes the trends of risk control model in future by the comparative analysis of many aspects as platform operating mode, volume, profit sources, platform verifing, overdue rate and summary of specific cases, finally puts forward the existed problems and risks, as well as feasible countermeasures and suggestions of P2P in our country.
毕业论文关键词：p2p； p2p网络借贷； 风控模式； 案例分析
Keyword: p2p； p2p lending； risk control model；Case analysis
目 录
一、引言 5
（一）选题背景及意义 5
（三）研究存在问题 6
（四）研究内容 7
（五）拟解决的问题 7
（六）研究方法 7
（七）技术路线 8
二、我国P2P网络借贷特点及发展原因 8
（一）P2P网络借贷特点 8
（二）我国发展P2P网络借贷的原因 8
三、我国P2P网络借贷存在的问题和风险 8
（一）监管问题及准入门槛低 8
（二）资金管理风险