论文部分内容阅读
文章首先明确了P2P网络借贷的定义及其产生的背景和原因。然后在研究P2P网络借贷发展现状的基础上,分析P2P网贷平台发展过程中存在的问题和面临的风险,构建一个较完善的风险评估体系。最后从国家加强监管和网贷平台自身提高风险管理能力两个角度,提出了完善立法,将其纳入央行征信体系,加强信息披露,严格审贷流程,提供风险备付金计比例,资金的第三方托管等风险控制措施。
The article first defines the definition of P2P network lending and its background and reasons. Then on the basis of studying the status quo of P2P network lending development, this paper analyzes the existing problems and risks in the development of P2P network lending platform and constructs a more perfect risk assessment system. Finally, from the perspectives of strengthening the supervision of the state and improving the risk management capability of the online loan platform, this paper proposes perfecting the legislation and putting it into the central bank credit system, strengthening the information disclosure, strictly checking the loan process, providing the risk reserve ratio, the capital Third-party custody and other risk control measures.