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摘要：随着中国经济的发展，中国经济的转型也在稳步的进行中，改革开放20多年来中国经济从以资源要素为主的生产模式逐步向以科技要素为主的生产模式转变，将科技是生产的第一要素贯彻到底。网络全球化的不断发展也迫使互联网金融做出了不断的改革和创新，网络也在这一时期改变了传统借款模式。P2P这一单纯以信用认证网络贷款平台体系不断完善。在此，本文通过对上海嘉银““你我贷””成长历史和数据的分析，运用信息不对称理论，市场营销理论研究上海嘉银P2P网络借贷平台的特点，运行方式，具体操作方式，发展趋势和风险监控。通过研究发现，网络借贷平台发展完善程度加快，信用评定的重要性越来越高，个人的征信成了一个人借款的高标。除此之外，房产，车产认证对于通过率的提高有很大的帮助。为确保信息的对称性，实地调查和网上评定相结合降低了贷款风险性。员工的职业素质和受教育水平对于企业风险把控也起到了很重要的作用，提高员工的职业素养和入职机制成为了把控网贷平台风险和产业发展的重要要素。再一点就是加强和丰富贷款认证体系，规范线下认证和实地取样，加强政府监管，提高入行门槛，加强法律的规范和执行。32378
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毕业论文关键词：P2P、风险把控、策略、上海嘉银
The development JiaYin Financial Services Ltd P2P platform research
Abstract: With Chinese economic development, Chinese economic transformation has been undergoing reform and Chinese economy gradually to science and technology elements based production paradigm shift from a resource-oriented production model to science and technology oriented production model during three decades. It is the first element that the science and technology are the vital implementation of the production. Growing global network also forced Internet banking to making continuous reform and innovation. What is more, the network has promoted to change the traditional mode of borrowing.P2P network which is a simply credit lending platform certification system is continuous improving. In this essay, based on Shanghai Jiayin Financial Service Ltd "You and I credit" history of growth and data analysis，I use asymmetric information theory and marketing principles to research operation mode, specific mode of operation, trends and risk monitoring of P2P network lending platform. The research illustrates that the development of network lending platform has been accelerating，and thereby the importance of credit rating is also more and more apparent so that personal credit has become an essential standard to personal loan. In addition, ownership of property and vehicles plays an vital role in increasing approval rate. In order to ensure information symmetry， field investigation and online ratings information are combined to reduce the credit risk. Additionally，the staff of professional quality and level of education make it possible to control the enterprise risk. It is more likely to enhance employees’ professionalism and entry mechanism become the significant elements of the control of net loan platform risks and industrial development. Then it is influential to optimize loans certification system, standardized underline certification field sampling, strengthen government regulation, increase the entry barrier and enrich law specification as well as implementation.
Keywords: P2P, to control risk, strategy, JiaYin silver
目 录
一、引言 - 1 -
（一）研究背景 - 1 -
（二）理论意义 - 2 -
（三）现实意义 - 2 -
（四）研究内容 - 2 -
二、 P2P的基本概念以及特征分析 - 3 -
（一）P2P在世界范围的发展 - 3 -