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P2P融资模式存在的风险及防范对策研究
引用本文:衷凤英.P2P融资模式存在的风险及防范对策研究[J].北京财贸职业学院学报,2015(2):13-16.
作者姓名:衷凤英
作者单位:福建省泉州经贸职业技术学院慈山分院,福建泉州,362411
基金项目:福建省教育厅社科A类课题
摘    要:互联网金融制度下的P2 P网络信贷是一种比较成功的小贷发展模式,而小微企业最青睐的就是正处在发展势头中的P2 P网络信贷。当前P2 P行业迅速发展,且形成了一定的规模,并已初步形成一个崭新的行业。但P2 P平台的不断跑路现象也暴露出平台存在风险及缺陷。所以,控制风险是P2 P平台赖以生存的前提,也是P2 P行业长期保持竞争优势的关键。

关 键 词:小微企业  P2P融资模式  P2P融资风险:防范对策

The Study on Risk and Countermeasures in P2P Financing Mode
Abstract:Under the Internet financial system,P2P network credit is a small successful loan development mode. And what Small and micro businesses most favored is the developing P2 P network credit. Now P2 P industry has de-veloped rapidly and has formed a certain scale. It has already formed a new industry preliminary. But the phenome-non of P2P platform,s continuous running away also exposed platform,s risks and defects. So, risk control is the premise for the survival of P2 P platform. It is also the key to maintain a long-term competitive advantage of P2 P in-dustry.
Keywords:small and micro businesses  P2P financing mode  P2P financing risk  Countermeasures
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