P2P互联网金融的现状与前景--信息流理论模型的分析与应用

Current Situation and Prospect of P2P Internet Finance——Analysis and Application of Information Flow Theory Model

2015年末到2016年初,中国互联网金融进入了政府监管的时代。在此期间,政府查封了几个大型的冒牌互联网金融公司,并且公布了它们的非法经营手段和其他违法行径。悲观的人们感觉互联网金融进入了一个长期的寒冬。相反地,乐观的人们感觉互联网金融的真正春天就要到来了。无论如何,人们希望更多地了解互联网金融的行业特性和风险管理。因此,本文从信息经济学出发来分析P2P互联网金融风险的本质内容,同时提出一个P2P互联网金融的信息流风险控制理论模型,以此分析今天的P2P贷款行业的现状。最后,本文指出互联网金融的发展前景和基本趋势,希望可以对关心互联网金融风险管理的各界人士有所启发。

From late 2015 to early 2016, China＇s Internet finance has entered the era of government regulation. In the meantime, the government closed several large phony Internet finance companies and published their illegal business practices. Pessimistic people feel that Internet finance has entered a long winter. However, optimistic people feel the real spring of Internet finance is coming. In any case, people want to learn more about the characteristics of the Internet finance industry and its risk management. Therefore, this paper analyzes the essence of the risks of the P2P Internet finance from the perspective of information economics. At the same time, it puts forward a theoretical model of information flow risk control for P2P Internet finance, in order to analyze the current situation of the P2P loan industry. Finally, this paper points out the development prospect and the basic trend of Internet finance, hoping to be helpful to the people who care about the risk management of Internet finance.