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1、目錄第一章P2P網(wǎng)貸行業(yè)發(fā)展現(xiàn)狀...............................................................................3第一節(jié)P2P網(wǎng)貸概念與發(fā)展歷程.......................................................................3一、P2P網(wǎng)貸的的基本概念..............................................................
2、............3二、P2P網(wǎng)貸的國內(nèi)發(fā)展歷程......................................................................5第二節(jié)P2P網(wǎng)貸發(fā)展現(xiàn)狀...................................................................................7一、國外P2P發(fā)展現(xiàn)狀.....................................................
3、............................7二、國內(nèi)P2P發(fā)展現(xiàn)狀與面臨的問題.........................................................9第二章P2P網(wǎng)貸金融風險管理與分析....................................................................26第一節(jié)P2P網(wǎng)貸風險概述.......................................................
4、..........................27第二節(jié)P2P網(wǎng)絡借貸風險環(huán)境成因.................................................................28一、法律體系不完備,監(jiān)管主體不到位....................................................29二、信用體系不健全,市場環(huán)境不完善....................................................29三、組織結
5、構存缺陷,交易機制有漏洞....................................................30四、風險管理簡單化,內(nèi)控機制未建立....................................................31五、IT系統(tǒng)不牢靠,信息安全無保障........................................................32第三節(jié)P2P網(wǎng)貸風險案例分析................................
6、.......................................33一、正常運營平臺風險識別與分析............................................................33二、“問題”平臺的運營模式與風險特征..................................................34第三章P2P的監(jiān)管.............................................................
7、.......................................37第一節(jié)監(jiān)管的必要性.........................................................................................37第二節(jié)國外P2P網(wǎng)絡借貸的監(jiān)管經(jīng)驗............................................................38一、國外P2P網(wǎng)絡借貸監(jiān)管現(xiàn)狀.......................
8、........................................38二、國外P2P網(wǎng)絡借貸監(jiān)管的共同點.......................................................40第三節(jié)、我國P2P網(wǎng)絡借貸監(jiān)管體系構建......................................................41一、確