广西财经学院学报
廣西財經學院學報
엄서재경학원학보
JOURNAL OF GUANGXI UNIVERSITY OF FINANCE AND ECONOMICS
2015年
2期
68-72
,共5页
P2P网络借贷%运营模式%决定因素%贷款风险
P2P網絡藉貸%運營模式%決定因素%貸款風險
P2P망락차대%운영모식%결정인소%대관풍험
online P2P lending%operate mode%determinants of lending%risks of lending
与传统的银行贷款相比，P2P网络借贷从其诞生之日起就伴随着各种争议。目前，P2P网络借贷是一个相对较新的研究领域。文章首先叙述了当前主要P2P在线平台的运营模式，此外从“硬因素”和“软因素”两方面来分别阐述它们对贷款成功率的影响，由此得出了借贷双方信息不对称、网络安全风险和借新账还旧账等P2P网络借贷的三大风险。最终，在总结已有的研究成果的基础上，提出了自己对P2P网络借贷未来发展和研究方向的见解。
與傳統的銀行貸款相比，P2P網絡藉貸從其誕生之日起就伴隨著各種爭議。目前，P2P網絡藉貸是一箇相對較新的研究領域。文章首先敘述瞭噹前主要P2P在線平檯的運營模式，此外從“硬因素”和“軟因素”兩方麵來分彆闡述它們對貸款成功率的影響，由此得齣瞭藉貸雙方信息不對稱、網絡安全風險和藉新賬還舊賬等P2P網絡藉貸的三大風險。最終，在總結已有的研究成果的基礎上，提齣瞭自己對P2P網絡藉貸未來髮展和研究方嚮的見解。
여전통적은행대관상비，P2P망락차대종기탄생지일기취반수착각충쟁의。목전，P2P망락차대시일개상대교신적연구영역。문장수선서술료당전주요P2P재선평태적운영모식，차외종“경인소”화“연인소”량방면래분별천술타문대대관성공솔적영향，유차득출료차대쌍방신식불대칭、망락안전풍험화차신장환구장등P2P망락차대적삼대풍험。최종，재총결이유적연구성과적기출상，제출료자기대P2P망락차대미래발전화연구방향적견해。
With the comparison to the traditional loan process in banks,the online P2P lending has faced many debates at the very beginning. At present,the online P2P lending is a new research field to some extent. The authors describe the present operation mode of most online platforms. Also,they describe its influence on the success of lending from the financial and demographic determinants. They conclude that there are three risks in the P2P online lending,including information asymmetry,website safety and borrowing new arrears crisis. In the end,the paper puts forward its perspective about the future development and the research direction of P2P online lending on the basis of the recent research achievements.
