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摘要伴随着互联网的日益发展，互联网金融也越来越容易被大众所接受，传统金融迎来了有史以来较为严峻的挑战。但是由于现在的余额宝等宝类产品的收益率在不断地走低，致使P2P新型理财的优势越来越明显。作为互联网金融重要组成部分之一的P2P理财，对于金融行业的其他部分有着巨大的促进作用，因而愈发地受到各国的重视。但是，由于信息风险问题、监管力度、行业自律问题和资金管理问题等原因，使得国内P2P行业仍存在较多风险，其中，信息不对称是造成风险的主要原因之一。30282
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本文通过介绍国内外P2P网络借贷模式的发展现状，并进行客观的评价。同时，本文借助了博弈论理论中的完全信息动态博弈模型以及不完全信息静态博弈模型，对P2P模式中信息不对称的风险点进行了详细的分析。并探讨了其他相关的风险，包括信用风险、行业风险、法律风险和资金风险。最后，本文对应每项风险分别提出其相应的解决建议，并且得出了文章最后的结论，即在客观分析我国P2P理财模式的发展现状以及相关的风险后，应该有针对性的进行改善，防范网络借贷中信息不对称所带来的风险及相关风险。具体而言，我国应不断加大对P2P理财借贷公司的监管，树立必要的法律制度与条文，规范P2P行业市场。与此同时，P2P网络借贷行业的本身也应该加强其自身的自律体系，并且，可以建立担保制度、信息披露制度与资金池管理制度。
关键词 P2P网络借贷 信息不对称 互联网金融 民间借贷 金融监管
毕业论文外文摘要
Title Risk Analyse of P2P Lending Under Information Asymmetry
Abstract
Along with the gradual development of the Internet, the Internet finance has been accepting by the public, which leads to the fiercest challenge of the traditional finance. The consisting falling of the interest ratio of Alipay and other categories of funding products have been obviously showing the advantages of new P2P financial planning.P2P financial planning, as the utmost important component of Internet finance, as its vast promotion to other financial business and the significant status of financial business in the economic development of one country. Due to the problems of information risk, supervision strength, self-discipline and fund management, however, there are still risks in the domestic P2P business, in which the information asymmetry could be the vital reason of that.
Via introducing the domestic and foreign development status of P2P Internet lending mode, this paper gives an objective assessment. And it had analyzed the risk point of information asymmetry in the P2P mode in detail by the game theory mode and model of status games of incomplete information. And the paper has discussed other related risks, including credit risk, industry risk, legal risk and fund risk. Finally, the paper gives resolution suggestions due to every risk, and gained the final conclusion of this paper. The conclusion is that after analyzing the development status and related risks of Chinese P2P financing pattern objectively, there should be targeted improvements, in order to defense the risk brought by information asymmetry and other related risks. Detailed speaking, China should put forward enhancing the supervision over the P2P lending cooperation and set up the legal regulations and papers to regulate P2P market. Meanwhile, P2P industry should itself enhancing the self-regulating system and other system, such as guarantee system, information disclosure system and capital pool management system.
Key words P2P Internet lending, information asymmetry, domestic lending of Internet finance, financial supervision
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