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P2P网络借贷财务风险及其防范研究 被引量：1

Study on the Financial Risk and Prevention of P2P Network Lending
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摘要 本文简述了P2P网络借贷的概念与特征,着重分析了其财务风险及产生风险的原因,并并提出了有效的防范措施。 This paper first introduced the concept and characteristics of P2P network lending, and then analyzed its financial risks and the reasons. Finally, the paper proposed some countermeasures which might effectively prevent the financial risks.
作者 陆佩琪
机构地区 中国建设银行战略客户部
出处 《财务与金融》 2018年第1期30-34,共5页 Accounting and Finance
关键词 P2P网络借贷 财务风险 资本充足率 P2P Network Lending, Financial Risks, Capital Adequacy Ratio
分类号 F275 [经济管理—企业管理]
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  • 1李钧.P2P借贷:性质、风险与监管[J].金融发展评论,2013(3):35-50. 被引量：84
  • 2Lin, M., N. R. Prabhala, and S. Viswanathan. Judging Borrowers by the Company They Keep: Social Networks and Adverse Selection in Online Peer-to-Peer Lending[R]. 2009.
  • 3Klafft, M. Peer to Peer Lending: Auctioning Mirco Credits over the lnternet [R]. Proceedings of the 2008 International Conference on Information Systems, Technology and Management(ICISTM 08), 2008.
  • 4Herzenstein, M., R. L. Andrews, U. M. Dholakia, and E. Lyandres. The Democratization of Personal Consumer Loans? Determinants of Success in Online Peer-to-Peer Lending Communities[R]. 2008.
  • 5Iyer, R., A. I. Khwaja, E. F. P. Luttmer, and K. Shue. Screening in New Credit Markets: Can Individual Lenders Infer Borrower Credit Worthiness in Peer-to-Peer Lending[R]. 2010.
  • 6Ceyhan, S., X.L. Shi, and L. Jure. Dynamics of Bidding in a P2P Lending Service: Effects of Herding and Predicting Loan Success[J]. Social Network Analysis, 2011 ,(2).
  • 7Berkovich, E. Search and Herding Effects in Peer-to-Peer Lending: Evidence from Prosper.Com [J]. Annals of Finance, 2011,7(3).
  • 8Lee. E., and B. Lee. Herding Behavior in Online P2P Lending: An Empirical Investigation [J]. Electronic Commerce Research and Applications, 2012, (11).
  • 9Davis, K.E., and A. Gelpern. Peer-to-Peer Financing for Development Regulating the Intermediaries[R]. 2010.
  • 10Paul, S. Square Pegs in a Round Hole: SEC Regulation of Online Peer-to-Peer Lending and the CFPB Alternative[J]. Yale Journal on Regulation, 2013,30(1 ).

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财务与金融
2018年 第1期

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