P2P网贷行业信用风险控制研究

在网贷行业快速发展的背后,失信所引发的问题也表现得十分明显。介绍了P2P网贷平台的主要模式,分析了P2P网贷信用风险的来源,并提出了P2P网贷行业信用风险控制的措施,包括加强道德教育、设立自律自查机制、完善社会征信体系、完善监管与法律、建立信息共享与批露机制、相关产业的净化等。

Research on Credit Risk Management of P2P Lending Industry

Behind the rapid development of network lending industry, the problem caused by dishonesty is also very obvious. This paper introduces the main mode of P2P lending platform, analyzes the source of P2P lending credit risk, and puts forward measures to control the credit risk of P2P lending industry, including strengthening moral education, setting up self-discipline mechanism, improving the social credit system, perfecting supervision and law, building information sharing and sharing mechanism, purifying the related industries.