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摘要P2P网络借贷是以第三方网络平台为中介，有借款需求的人通过信用贷款并支付一定利息的方式获得资金的新途径。从2007年中国第一家P2P网络借贷平台成立至今，国内已经有1500多家P2P网络借贷平台注册运营。一方面，P2P网络借贷平台的交易额和注册人数快速增加，另一方面不断出现借款人逾期和平台倒闭的现象.P2P借贷行业如何实现健康持续的发展已经成为借贷双方和有关监管部门重点关注的问题。48152
本文分析了现阶段我国P2P网络借贷行业的发展现状和呈现的特点，并以具有代表性的红岭创投平台为例，通过分析其运营模式和借款人属性，得出我国P2P网络借贷平台目前存在的监管主体不明确、个人信用体系不完善、平台内部担保和资金挪用等风险，并对不同主体提出针对性的建议，从而更好地促进我国P2P网络借贷平台的健康发展。
Abstract：P2P network is a new way of loan that people who need to borrow through credit and paying interest to get money by a third-party intermediary network platform. Since China's first P2P network lending platform set up in 2007, the country has had more than 1500 P2P network lending platform to operate. On the one hand, P2P network lending platform has a rapid increase in turnover and member quantity, on the other hand, there are so many overdue borrowers and platform collapse phenomenon. Relevant regulatory authorities and both lenders and borrowers focus more on how P2P lending industry to achieve healthy and sustainable development.
This paper analyzes the current development stage of P2P lending industry networking and its features. Besides, paper take the representative platform Hongling venture for example to draw the issues of our current P2P network lending platform that the existence of the regulatory body is not clear, personal credit system is imperfect, internal platform guarantees and misappropriation of funds risks by analyzing its business model and the borrowers property. Then this paper make specific recommendations for different subjects to better promote the healthy development of P2P network lending platform.
毕业论文关键词：P2P网络借贷平台；红岭创投； 风险；融资
目 录
1 引言 5
1.1研究背景及意义 5
1.2研究内容 5
1.3研究方法 6
2.1国外研究现状 6
2.2国内研究现状 6
3 P2P网络借贷概述 8
3.1 P2P网络借贷平台的起源和发展现状 8
3.2 P2P网络借贷的特点 9
3.3 P2P网络借贷平台运营模式分类 10
3.3.1根据借款流程分类 10
3.3.2根据融资渠道分类 10
3.3.3根据有无担保分类 10
4 红岭创投的运行机制及数据分析 11
4.1平台简介 11
4.2操作流程 12
4.3平台利率和借款标的类型 12
4.4风险控制 13
4.5平台的基本统计分析 13
4.5.1借款人以中青年为主 13
4.5.2借款人以工薪族和私营业主为主