互联网金融浪潮下P2P网贷信用风险管理思考

Consideration on Credit Risk Management of P2P Online Loan under the Internet Finance Wave

互联网金融是指利用互联网技术提供金融服务的一种新型金融形式,然而近年来网贷平台的不断“暴雷”,也引起了金融管理部门以及金融行业研究者对于P2P网贷这种形式的健康发展与有效监管产生了一定的思考。本文分析国内P2P网贷平台发展的现状及存在问题,结合国际成熟的网贷平台发展经验,提出了网贷平台信用风险管理的相关政策建议。

Internet finance is a new financial form which provides financial services by using internet technology. However, in recent years, the continuous "thunderstorm" of online lending platform has also caused financial management departments and financial industry researchers to think about the healthy development and effective supervision of P2P online lending. This paper analyses the current situation and existing problems of domestic P2P online lending platform, and puts forward policy recommendations for credit risk management of online lending platform based on the experience of mature international online lending platform.