面向小微企业的P2P网络融资风险识别与防范研究

Risk Identification and Prevention of P2P Network Financing for Small and Micro Enterprises

互联网金融的出现,为小微企业提供了一条新的融资渠道。互联网金融模式中,P2P融资模式的市场占有率最高,但存在的风险也较大。通过对小微企业借助P2P平台融资的现状进行分析,并对其融资过程中存在的信用、流动性、技术和法律风险进行识别。从政府、P2P平台、借款人以及投资人角度提出相应的风险防范策略,从而为投资人进行科学的投资决策、众筹平台进行有效的运营以及国家对P2P融资业务进行有效监管提供参考。

The emergence of the Internet finance provides a new financing channel for small and micro enterprises. P2P financing mode has the highest market share in Internet financial mode, but the risk is bigger. The study analyzes the current situation of P2P platform fi-nancing of small and micro enterprises, and the risk identification in terms of credit, liquidity and technology. The study puts forward the corresponding risk prevention strategies from the perspective of government, P2P platform, borrowers and investors, so as to make scientific investment decision for investors, operate Indiegogo effectively and provide the reference for effective regulation of P2P finance.