摘要
自2012年至2015年,随着互联网金融的发展,我国P2P网络借贷行业呈现"爆炸式增长"。P2P网贷是一种独立于正规金融机构之外的借贷行为,作为金融创新,在一定程度上满足了大众理财需求和经营消费个贷需求,在"小微金融市场"做了普惠金融意义的事情。但是,由于监管滞后和行业自律性较差,P2P网贷行业高速发展的背后隐藏着众多风险,本文运用期望效用理论定量分析了P2P平台高收益率风险以及定性分析了其他风险,并在此基础上,提出了相应的监管建议。
Since 2012 to 2015,with the development of internet finance,P2 P internet lending in our country has seen an explosive growth. P2 P internet lending is a way of lending act independent from the normal finance institutions. As a financial innovation,it meets the needs of personal financing and lending of the people to some extent. However,because of the lagging of the supervision and the bad self-discipline of this industry,many risks are hiding behind the higher development of this industry. By applying the expected utility theory,this paper makes an analysis quantitatively about the risk of higher profit in the P2 P lending platform and an analysis qualitatively about other risks,and on the basis of the analysis,brings forth some suggestions for supervisors.
出处
《山东青年政治学院学报》
2015年第4期124-128,共5页
Journal of Shandong Youth University of Political Science
基金
2014年安徽财经大学研究生科研创新基金项目(CXJJ2014020)
关键词
互联网金融
期望效用
风险监管
普惠金融
internet financing
expected utility
risk supervision
inclusive finace
