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摘要小额贷款的理念起源于20世纪70年代，是诺贝尔经济学家尤纳斯教授在解决孟加拉国的贫困地区农民的借款需求发展出来的理念。随后小额贷款被广泛推广运用到发展中国家的扶贫项目。根据我国到2020年全面建成小康社会的目标要求，更好地改善农村地区的经济面貌，许多互联网金融公司涉足于农村互联网金融。在此大背景下，本文选取专注于三农借款的翼龙贷P2P网络借贷平台作为分析对象。本文首先介绍国内外P2P网络贷款行业的现状；其次分析国外经典P2P网络借贷平台的运营模式和其风险管理的具体做法，接着归纳国外P2P网络借贷行业风险管理的经验，然后对翼龙贷平台进行研究，重点分析其风险管理机制及存在的问题，结合宏微观环境并借鉴国外经验提出加强风险管理的对策建议。48456
Abstract: The concept of microcredit originated in the 1970s which was put forward by Professor Yunus, the Nobel economist, to resolve borrowing demand of Bangladesh poor farmers. Then microcredit is widely applied to poverty reduction projects in developing countries. According to China's 2020 goal of building a well-off society in all-round way, and to improve the economic features in rural areas better, Many internet financial companies set foot in the rural financial Internet 。Based on this background, this article chose Eloancn P2P online lending which focuses on three rural borrowers as the object of analysis. The thesis firstly introduces the present situation of P2P online lending industry; then, analyzing the classical operation mode and risk management in foreign countries; and summarizing the experience of foreign countries' risk management. And the study will base on the case of Eloancn P2P online lending platform, analyzing its risk management mechanism and problems, combining macro-environment, micro-environment and foreign experience to put forward some advices for enhancing its risk management.
毕业论文关键词：P2P网络贷款；风险管理；国际经验；翼龙贷
Keyword:P2P online lending；Risk Management；International Experience；Eloancn
目 录
1引言 4
1.1研究背景及意义 4
1.2研究的基本内容 4
2.1国外研究综述 4
2.2国内研究综述 5
2.3研究中存在的问题 5
3国外经典P2P网络借贷平台风险管理的具体做法 5
3.1复合中介型——Zopa 6
3.2单纯中介型——Prosper 6
3.3 非盈利公益型——Kiva 6
4国外P2P网络借贷行业风险管理经验借鉴 7
4.1完善的监管体系 7
4.2 健全的社会征信系统 8
4.3 较规范的行业自律 9
4.4独立存管的平台沉淀资金 9
5我国P2P行业重点平台研究——以翼龙贷为例 9
5.1业务内容 9
5.1.1投资人 10
5.1.2借款人 10
5.2发展现状概述 11
5.3运营模式 12
5.3.1农村互联网金融域