基于投资者视角下的我国P2P网贷风险防控

The Risk Prevention and Control of P2P in China based on Investors' Perspective

风险防控问题从来都是P2P网贷平台的核心问题。本文通过P2P网贷发展的现状,对平台发生的风险进行剖析,引入经济学家大卫·多兰的贷款信用衍生模型,利用Eviews回归和博弈的方法,对投资者发生的风险做出分析,基于论证结果做出风险判断,最后提出建设性的意见,从源头上减少P2P网贷违约风险的发生。

The P2 P lending as an important part of the Internet financial, optimize the social capital flows, especially rapid development in recent years, whether investors, financing or network platform, rapid growth in number. But with the increase of the number of the high, followed by platform appear constantly, overdue borrowing, platform run more common phenomenon. So, the problem of risk prevention and control has always been the core issue of P2 P network credit platform. Of the uncertainty of the risk of loss, is based on P2 P network credit losses from investors. Has always been a platform, the borrower risk for the cause of the outbreak. This article through the present situation of the development of the P2 P network credit, to the platform of risk are analyzed, introducing the economist David Durand redit derivative model, the method of using Eviews regression and game, make analysis to the risk of investors, based on the demonstration results make risk judgment, finally put forward the constructive Suggestions, from the source to reduce the occurrence of P2 P network credit default risk.