学年论文
论文题目
我国P2P网络借贷平台的运营模式研究
我国P2P网络借贷平台的运营模式研究
摘要
P2P网络借贷自2007年引入我国以来呈现迅猛发展之势，截至 2015 年 12 月底，全国正常运营的 P2P 网贷平台数量达2595家，贷款余额已达 4394.61 亿元。十三五规划中，也明确提出要发挥P2P模式的网络借贷平台等互联网金融模式来满足小微和偏远地区融资需求，通过普惠金融和创业金融助力实体经济。然而，随着今年e租宝事件的持续发酵，平台自身跑路、停业、提现困难、经侦介入等问题也不断曝光，系列风险使得众多投资者望而却步。那么P2P平台应该如何健康持续发展呢？P2P网络借贷平台的运营模式能否有更多更好的尝试呢？
P2P网贷平台作为舶来之物，在本土化中不断演进。本文主要分析P2P网络
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借贷平台的运营模式，首先是比较分析了国外的英国Zopa，美国Prosper 及Kiva三家典型的P2P平台；接着以国内拍拍贷、红岭创投、陆金所及宜信为代表从公司简介、运营模式、盈利来源及风险控制四个方面分析国内P2P网贷平台的典型运行模式。然后对比分析了我国P2P平台存在的风险问题，再结合数据分析归纳排名较前的P2P平台模式的特点及在控制风险方面的成效；最后提出关于我国P2P网贷平台运营模式的可能选择。
关键词：P2P网络借贷平台 运营模式 风险控制
The operation mode of the P2P lending
platform research in China
Abstract
P2P lending since 2007 introduced our country present rapid development trend, as of the end of December 2015, the normal operation of P2P network platform 2595home loan, loan balance has amounted to 439.461 billion yuan.Much starkerchoices-and graver consequences-in planning also explicitly put forward to exert the P2P mode of Internet financial models such as lending to network platform to meet the demand of financing small and remote areas, by pratt &whitney financial and financial power of the real economy.However, with the persistence of e rent treasure events this year, the platform itself run road, out of business, the withdrawal difficult, problems of economic intervention has been exposed, series of risks that
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many investors.So P2P platform should how healthy sustainable development?The operation mode of the P2P lending platform can have more better try?
P2P network credit platform as a widely used and evolve in localization.This article mainly analysis the operation mode of the P2P lending platform, the first is the comparative analysis of foreign Zopa, a British, America Prosper and Kiva three typical P2P platform;Then to clap, red hill throws the loan, domestic Liu Jin represented and appropriate letter from the company profile, operation mode, profit source and risk control from four aspects and analyzing the typical operation mode of domestic P2P network credit platform.Then comparative analysis the risk problems of P2P platform in our country, combining data analysis inductive rankings from the previous characteristics and patterns of P2P platform in risk control effect;Finally put forward about the P2P network platform operation mode may choose loan.
Keywords: P2P lending platform operating model risk control
目录
我国P2P网络借贷平台的运营模式研究 ........................................................................................ I
摘要............................................................................................................................................ I Abstract ..................................................................................................................................... II 1.
绪论 ................................................................................................................................... 1 1.1 研究背景 ....................................................................................................................... 1
1.1.1 国际背景 ............................................................................................................. 1 1.1.2 国内背景 ............................................................................................................. 1 1.2 选题意义 ......................................................................................................................... 4 1.3 文献综述 .......................................................................................................................... 4 2. 国外P2P网络借贷运营模式分析 .............................................................................................. 5
2.1 英国Zopa ........................................................................................................................... 5
2.1.1公司简介 .................................................................................................................. 5 2.1.2运作模式 .................................................................................................................. 5 2.1.3盈利来源 .................................................................................................................. 6 2.1.4风险控制 .................................................................................................................. 6
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2.2 美国Prosper ...................................................................................................................... 7
2.2.1公司简介 .................................................................................................................. 7 2.2.2运作模式 .................................................................................................................. 7 2.2.3盈利来源 .................................................................................................................. 8 2.2.4风险控制 .................................................................................................................. 8 2.3 美国Kiva ............................................................................................................................ 8
2.3.1公司简介 .................................................................................................................. 8 2.3.2运作模式 .................................................................................................................. 9 2.3.3盈利方式 .................................................................................................................. 9 2.3.4风险控制 .................................................................................................................. 9 2.4国外三家P2P网络借贷平台运营模式比较 ..................................................................... 9 3. 国内P2P网络借贷平台模式分析 ............................................................................................ 10
3.1 拍拍贷............................................................................................................................ 10
3.1.1 公司简介 ............................................................................................................. 10 3.1.2 运作模式 ............................................................................................................. 10 3.1.3 盈利来源 ........................................................................................................... 11 3.1.4 风险控制 ............................................................................................................. 11 3.2 红岭创投 ........................................................................................................................ 11
3.2.1 公司简介 ............................................................................................................. 11 3.2.2 运营模式 ............................................................................................................. 12 3.2.3 盈利来源 ............................................................................................................. 12 3.2.4 风险控制 ............................................................................................................. 12 3.3 陆金所............................................................................................................................ 13
3.3.1 公司简介 ............................................................................................................... 13 3.3.2 运作模式 ............................................................................................................... 13 3.3.3 盈利来源 ............................................................................................................... 13 3.3.4 风险控制 ............................................................................................................... 14 3.4 宜信................................................................................................................................ 14
3.4.1 公司简介 ............................................................................................................... 14 3.4.2 运营模式 ............................................................................................................... 14 3.4.3 盈利来源 ............................................................................................................... 15 3.5国内外典型P2P网贷平台运营模式比较 ....................................................................... 15 4. 国内P2P网络借贷平台发展比较 .......................................................................................... 16 5. 我国P2P网络借贷平台运营模式存在的问题及模式选择建议 .......................................... 18
5.1 出现的问题 ...................................................................................................................... 18
5.1.1 借款人信用风险 ................................................................................................... 18 5.1.2 存在违法嫌疑 ....................................................................................................... 18 5.1.3 平台存在的风险 ................................................................................................... 18 5.2 模式选择建议 .................................................................................................................. 19 6. 结束语...................................................................................................................................... 19 参考文献......................................................................................................................................... 20
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