基于全过程管理理论的P2P网络借贷风险监管研究

Research on P2P Network Lending Risk Supervision Based on Whole Process Management Theory

P2P网络借贷满足了中小企业和个人的融资需要,目前处于快速发展阶段,但它的风险监管问题也随之出现。文中针对P2P网络借贷中出现的问题进行探讨,针对目前我国P2P网络借贷和监管缺陷的风险,总结了关键的法律、平台和违约风险,并运用全过程管理方法,从前期验证阶段、中期实施阶段以及后期维护阶段三方面构建P2P网络借贷的全过程管理体系。

Peer-to-peer Network lending meets the financing needs of small micro-enterprises and individuals,so it’s at a rapid stage of development.But then there’s the regulatory problem.This paper discusses the problems in Peer-to-peer Network lending and summarizes the legal,platform and default risks.Using the whole process management method,the whole process management system of Peer-to-peer network loan is constructed from three aspects of prophase verification stage,medium implementation stage and post maintenance stage.