我国P2P网络借贷“四位一体”式风险控制体系研究

On Risk Control System of P2P Platform with Integration from Four Perspectives

P2P网络借贷作为互联网在金融领域的延伸与运用,近年来如何构建行之有效的风险控制体系得到理论界和实践界的关注,但目前鲜有从系统思维的角度构建P2P网络借贷的风控体系.以我国P2P网络借贷平台的风险为研究对象,首先分析我国P2P平台面临的主要风险聚集点,其次对P2P平台风险的预警指标进行量化,最后在我国P2P平台风险控制现状研究的基础上,结合目前的互联网金融监管环境,借鉴国内外P2P平台风控的优点,创造性地提出P2P网络贷款企业、借款人、出借人、第三方"四位一体"式风险控制体系模型.

P2P is an Internet applied in the financial area.How to structure the effective risk control system by theory and practice in recent years,few P2P risk control system has been built from systematic perspective.In this paper,the risk of P2P platform has been researched,firstly,to make an analysis of the main risks on China＇s P2P Platform;and,secondly,to quantify the early warning indicators of P2P platform risk,and on the basis of risk control system,to study the current situation and defects of China＇s P2P platform,and to combined with the current financial regulatory environment in China.Creatively the model has been established of the control system of P2P the borrower,the lender and the third party and theory of＂integration from four perspective＂.