P2P网贷平台信用风险形成机制与防范

Research on the Formation Mechanism and Prevention Countermeasures of P2P Network Loan Platform Credit Risk

基于当前P2P网贷行业发展现状,从运作模式入手,研究国内P2P网贷平台的信用风险形成机制。结果表明,信息中介、类信用中介、信用中介三种模式下的平台所面临的风险的复杂性和风险之间的传染性逐渐提高,平台发生信用风险的概率依次递增。平台模式的选择对平台信用风险有至关重要的影响,信息中介模式是未来的正确发展方向。就平台的信用风险防范从出借人、平台和监管当局角度给予相关对策建议。

Based on the current development status of P2 P network loan industry,starting from the operation model,the causes of P2 P network loan platform credit risk in China are analyzed. Research results show that: under three models of information,similar credit,and credit intermediary,the complexity and infectivity of risk faced by the platform are gradually increasing,and the probability of credit risk of platform is raising in turn. Therefore,the choice of platform model has a crucial impact on the credit risk of the platform. And the information intermediary model is the right direction for the future development. Finally,some relevant countermeasures and suggestions of platform credit risk prevention are given to the lender,platform,and regulator.