互联网平台下P2P金融借贷模式与风险管理

P2P Financial Lending Model and Risk Management under the Internet Platform

P2P借贷模式是互联网金融发展的主要方向,具有融资速度快、融资成本低等特点,为个体和小微型企业提供了便捷的融资渠道。然而,由于P2P借贷模式的发展时间较晚,没有形成完整的体系,在应用过程中仍具有一定的风险。通过对互联网P2P借贷模式的内容和流程进行分析,评述互联网P2P借贷模式所存在的风险,提出互联网P2P借贷模式的风险管理措施,达到降低P2P借贷模式风险,促进P2P借贷模式不断发展的研究目的。

The P2P lending model is the main development direction of Internet finance with the characteristics of fast financing speed and low financing cost,providing convenient financing channels for individuals and small and micro enterprises.However,P2P lending model hasn’t developed the complete system yet due to the relatively late development,which leads some risks in the application process.This paper,through analyzing the content and process of the Internet P2P lending model,discusses the existing risks in the Internet P2P lending model,and puts forward the risk management measures in order to reduce the risk and to promote the continuous development of P2P lending model.