美国P2P网贷信用风险管理经验及对我国的启示

U.S.Experiences in P2P Network Loan Credit Risk Management and Implications for China

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.