P2P网贷行业的监管与风险防范研究摘要从2007年第一家网贷企业拍拍贷成立开始，我国便掀起了互联网金融模式的P2P网贷行业浪潮。自2011年到2017年间，P2P网贷平台数量增长迅速，截至2018年1月累计的P2P平台已经有6000余家，其中运营正常的平台有约1900家。由于作为我国国内的新兴行业，运营不规范、监管不到位、规章制度不完善等问题导致出现了“跑路”、“诈骗”、“资金池”、“非法集资”、“爆雷潮”等大量问题平台的出现和倒闭，根据网贷天眼的不完全统计，截至2018年12月31日，全国累计的P2P网贷平台数量达到了6591家，其中问题平台总共有4982家。因此，问题平台的不断出现对整个行业造成了恶劣的影响，引起了大部分投资者的担忧和恐慌，但作为我国的一个新兴行业市场，随着监管力度的加强、规范企业的运营以及一些新兴有效模式的提出整顿，P2P网贷行业会存在更多优质平台供投资者和消费者放心使用。本文调查分析了目前国内P2P行业的现状，并指明了一些普遍存在的问题，通过对国内P2P网贷平台出现的问题的典型案例分析指出其平台导致倒闭的一些运营问题，借鉴了美国两大P2P网贷公司的完善的运营监管模式，为国内P2P行业带来有效的启示，通过前面对一些问题的分析以及从国外的借鉴，从微观角度分析提出了我国P2P行业的监管以及风控的整顿措施，使得该行业能够长期有效地发展下去。关键词：P2P网贷监管问题风控措施ABSTRACTIn China,since the establishment of paipaidai,the first online loan enterprise in2007,a P2P online loan industry frenzy of Internet finance mode has been set off.From 2011 to 2017,the number of P2P online lending platforms grew rapidly andemerged in an endless flow.As of January 2018,there were more than 6,000 P2Pplatforms,among which 1,906 were operating normally.As the domestic emergingindustry in our country,the operation is not standard,regulation is not in place,imperfect regulations lead to problems such as the "run","fraud","pool","illegalfund-raising","critical LeiChao"the emergence of a lot of problems,such as platformand collapse,according to the incomplete statistics of net lending eye,as of December31,2018,the cumulative number of P2P network credit platform reached 6591,theplatform has a total of 4982 problem.Appearance of question,therefore,the platformhad a bad effect on the industry,has caused the most investors fear and panic,but asan emerging industry in China market,with the strengthening of supervision,standardized operation of enterprises and some new effective model put forwardrectification,P2P network credit industry will be more excellent platform forinvestors and consumers trust.Introduction to this article elaborated the research background and significance,and some domestic scholars research the literature review,the second chapter,thepresent situation of the investigation and analysis of the current domestic P2P industry,and pointed out the some common problems,the third chapter through to the domesticproblems in P2P network credit platform for the typical case analysis points out itslead to the collapse of some operational problems,the fourth chapter draws on twoP2P network company perfect operation mode,which bring effective enlightenmentfor domestic P2P industry,the fifth chapter through the analysis of former face someproblems and reference from abroad,From the micro point of view,this paper putsforward the supervision and risk control rectification measures for China's P2Pindustry,so that the industry can develop effectively for a long time.Key words:P2P network loan supervision problem risk control measures目录第一章导论11.1研究背景及意义1.1.1研究背景1.1.2研究意义1.2研究综述现状1.2.1国内文献综述.1.2.2文献评述…1.3研究思路及方法1.3.1研究思路…31.3.2研究方法.第二章我国P2P网贷行业的发展现状以及存在的问题.2.1我国P2P网贷行业发展现状32.1.1P2P网贷行业运营现状.32.1.2P2P网贷行业监管现状52.1.3P2P网贷行业风险管理现状.52.2我因P2P网贷行业存在的问题6第三章我因P2P网贷行业存在的典型问题案例分析一一“e租宝”73.2“e租宝”平台存在的问题83.2.1运营模式中存在的问题83.2.2平台内部问题3.2.3平台外部问题9第四章发达因家P2P网贷行业特点以及监管与内部规范94.1.2 Lending Club运营模式.4.3美国的监管管理划分104.3.1多层次的外部监管体系…4.3.2相对完善的内部防控措施.114.3.3完善的信用评估系统…4.3.4借款人需求的细分12第五章我因P2P网贷行业的风险防范措施5.2.1完善法律体系监管…5.2.2完善部门监管体系.5.3提高部门监管效益…5.4投资者提高风险防范意识.16参考文献…