摘要
在总结美国P2P网贷行业运营模式基础上,从信息公开制度、借款人身份真实性审核机制、内部风险评估体系等方面分析其信用风险管理的主要经验,结合我国P2P网贷行业存在的问题,提出加强P2P网贷行业信用风险管理的若干政策建议。
On the basis of summarizing the operation model of the U. S. P2P network loan industry, the papermakes an analysis on the main experiences in credit risk management from such aspects as information publicationsystem, borrower's identity authenticity verification mechanism and internal risk assessment system. Consideringthe existing problems for the P2P network loan industry in China, the paper presents a number of policy recommen-dations for strengthening the P2P network loan industry credit risk management.
出处
《征信》
北大核心
2014年第6期61-65,共5页
Credit Reference
关键词
P2P网贷
信用风险
运营模式
管理经验
P2P network loan
credit risks
operating model
management experiences