| 美国P2P网贷信用风险管理经验及对我国的启示 |
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| 引用本文： | 沈良辉,陈莹.美国P2P网贷信用风险管理经验及对我国的启示[J].河南金融管理干部学院学报,2014(6):61-65. |
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| 作者姓名： | 沈良辉 陈莹 |
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| 作者单位： | 中国人民银行福州中心支行,福建福州350003 |
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| 摘 要： | 在总结美国P2P网贷行业运营模式基础上,从信息公开制度、借款人身份真实性审核机制、内部风险评估体系等方面分析其信用风险管理的主要经验,结合我国P2P网贷行业存在的问题,提出加强P2P网贷行业信用风险管理的若干政策建议.
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| 关 键 词： | P2P网贷 信用风险 运营模式 管理经验 |
U.S.Experiences in P2P Network Loan Credit Risk Management and Implications for China |
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| SHEN Lianghui,CHEN Ying.U.S.Experiences in P2P Network Loan Credit Risk Management and Implications for China[J].Journal of Henan College of Financial Management Cadres,2014(6):61-65. |
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| Authors: | SHEN Lianghui CHEN Ying |
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| Institution: | (Fuzhou Central Sub-branch of the People＇s Bank o China, Fuzhou , Fujian 350003, China ) |
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| Abstract: | On the basis of summarizing the operation model of the U. S. P2P network loan industry, the papermakes an analysis on the main experiences in credit risk management from such aspects as information publicationsystem, borrower＇s identity authenticity verification mechanism and internal risk assessment system. Consideringthe existing problems for the P2P network loan industry in China, the paper presents a number of policy recommen-dations for strengthening the P2P network loan industry credit risk management. |
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| Keywords: | P2P network loan credit risks operating model management experiences |
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