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1、畢業(yè)論文題目論我國P2P網(wǎng)貸平臺的發(fā)展現(xiàn)狀問題及對策!姓名施聰學(xué)號20127616系部經(jīng)管系專業(yè)年級2012級金融指導(dǎo)教師何叔飛2016年5月15日中南林業(yè)科技大學(xué)涉外學(xué)院本科畢業(yè)論文誠信聲明本人鄭重聲明：所呈交的本科畢業(yè)論文，是本人在指導(dǎo)老師的指導(dǎo)下，獨立進(jìn)行研究工作所取得的成果，成果不存在知識產(chǎn)權(quán)爭議，除論文中已經(jīng)注明引用的內(nèi)容外，本論文不含任何其他個人或集體已經(jīng)發(fā)表或撰寫過的作品成果。對本論文的研究做出重要貢獻(xiàn)的個人和集體均已在文中以明確方式標(biāo)明。本人完全意識到本聲明的法律結(jié)果由本人承擔(dān)。本科畢業(yè)論文作者簽名：年月日摘要隨著近年來互聯(lián)網(wǎng)金融的火熱，P2P網(wǎng)絡(luò)借貸平臺，
2、借助互聯(lián)網(wǎng)平臺和民間借貸的相結(jié)合，獲得蓬勃發(fā)展。在國內(nèi)，由于其收益率高，P2P網(wǎng)貸平臺的早期融資并不困難。近年來P2P網(wǎng)貸平臺的擴(kuò)張異常迅猛，但由于其門檻低，缺乏監(jiān)管部門，P2P網(wǎng)貸平臺頻發(fā)卷款潛逃、欺詐、投資者血本無歸等事件。本文從我國P2P網(wǎng)貸平臺行業(yè)概況出發(fā)，分析當(dāng)今行業(yè)現(xiàn)狀、各自不同的運營模式和存在的問題，建議國家應(yīng)該制定相關(guān)法律法規(guī)，明確監(jiān)管主體和監(jiān)管法規(guī)，引導(dǎo)行業(yè)自律，加強(qiáng)個人征信體系建設(shè)。同時網(wǎng)貸平臺應(yīng)引進(jìn)第三方合作機(jī)制，增強(qiáng)風(fēng)險把控能力，從投資人，貸款人，加強(qiáng)監(jiān)管，從而促進(jìn)P2P行業(yè)積極健康的發(fā)展。關(guān)鍵詞：P2P民間借貸模式法律AbstractWith?th
3、e?prevalence?of?Internet?banking?in?recent?years,?P2P?network?lending?platform,?with?the?combination?of?the?Internet?platform?and?private?lend?to?obtain?vigorous?development.?In?China,?due?to?its?high?rate?of?return,?the?early?financing?of?P2P?network?lending?platform?is?not?difficult.?In?
4、recent?years,?the?expansion?of?the?P2P?network?lending?platform?unusually?rapid,?but?due?to?its?low?threshold,?the?lack?of?regulatory?authorities,?absconding?with?money,?fraud,?investors?lose?everything?and?other?events?frequently?happened.Starting?from?the?general?situation?of?P2P?network
5、?lending?platform?industry?in?our?country,?this?paper?analyses?the?industry?at?present,?different?operation?mode?and?existing?problems,?and?suggested?that?the?state?should?formulate?relevant?laws?and?regulations,?make?regulation?subject?and?regulation?clear?and?lead?the?industry?self-regul
6、ation,?strengthening?the?construction?of?personal?credit?system.?At?the?same?time?net?lending?platform?should?introduce?third?party?cooperation?mechanisms?to?enhance?risk?control?capabilities,?from?investors,?lenders,?to?strengthen?supervision,?so?as?to?promote?the?healthy?development?of?t
7、he?P2P?industry.?Keywords：P2PPrivatelendingModeLegal目錄1引言11.1研究背景11.2研究意義22我國P2P網(wǎng)貸平臺發(fā)展現(xiàn)狀22.1P2P網(wǎng)貸平臺發(fā)展模式多樣化32.2P2P網(wǎng)貸平臺成交額地域分布集中42.3P2P網(wǎng)貸平臺貸款余額日益擴(kuò)大53我國P2P網(wǎng)貸平臺發(fā)展問題53.1監(jiān)管缺失導(dǎo)致資金風(fēng)險63.2P2P網(wǎng)貸平臺產(chǎn)品異化63.3個人征信體系不太完善73.4第三方機(jī)構(gòu)的缺失或虛假74我國P2P網(wǎng)貸平臺發(fā)展對策74.1制定相關(guān)法律法規(guī)，明確監(jiān)管主體和監(jiān)管法規(guī)84.
