I
本科毕业设计（论文）
题目 P2P网络借贷存在的风险及其防范措施
学 院 经济与管理学院
年 级 专 业 财务管理
班 级 财管 班 学 号
学生姓名
校内导师 职 称 讲师
校外导师 职 称
论文提交日期
II

P2P网络借贷存在的风险及其防范措施
摘要
随着互联网金融日趋发展成熟，国人开始将更多的视线转移到P2P网络借贷
（Peer-to-Peer Lending）这一新兴模式上来。P2P网络借贷是一种将小额资金
聚集起来借贷给有资金需求人群的民间小额借贷商业模式。尽管P2P网络借贷在
我国发展迅猛也受到了很大的青睐，但是由于监管的缺失导致了庞氏骗局、非法
集资、平台跑路等一系列问题的出现。
本文先对国内外P2P网络借贷发展现状做出了简单分析；再通过案例分析等
方法，找出了P2P网络借贷目前存在的信用风险、法律风险、技术风险等众多风
险，及产生原因；最后通过经验借鉴等方法，阐明了针对存在的各类风险应采取
完善社会征信体系、加快法律制度建设、增强从业人员培训等一系列防范措施，
并加大监管力度。

关键词：P2P网络借贷 风险 防范措施 监管
III

Peer-to-Peer Network Lending Risks and Its Prevention Measures
Abstract
With the development of Internet banking matures, as an emerging development
model, people began to shift more attention to the P2P network lending. P2P lending
is a kind of folk petty loan, which is used to gather the small sum of money to meet
people’s funds demand. P2P network lending in China develops rapidly, and also
received a great deal of favor. But the lack of regulation led to the emergence of a
series of problems such as Ponzi scheme, illegal fund-raising, platform running.
Firstly, this paper makes a simple analysis of the current situation of the domestic
and international P2P network lending. Secondly, through the case analysis and other
methods, the paper finds out the existing risks, such as credit risk, legal risk, technical
risk and so on, which are caused by P2P network loan and their causes. Finally,
through the experience reference and other methods, this paper expounds that a series
of preventive measures should be taken to deal with all kinds of risks. Such as
improve the social credit system, accelerate the construction of the legal system,
strengthen the training of employees, etc. In addition, increase supervision is also very
important.

Key Words: Peer-to-Peer Network Lending ;Risk ; Preventive measures ；
Supervise