经济社会体制比较
經濟社會體製比較
경제사회체제비교
Comparative Economic and Social Systems
2015年
3期
175~184
,共null页
P2P网络借贷 风险 监管边界 检验
P2P網絡藉貸 風險 鑑管邊界 檢驗
P2P망락차대 풍험 감관변계 검험
P2P Online Lending; Risks; Boundary of Regulation; Test
P2P网络借贷的快速崛起得益于我国小额信贷需求规模的不断扩大,市场自由竞争以及信息整合技术和数据挖掘技术的迅速发展。我国P2P网络借贷的发展仍处于早期阶段,不受政府监管的状态导致P2P网络借贷运营风险增加,蕴藏的潜在风险不断聚集。文章构建了P2P网络借贷监管理论,分析了我国P2P网络借贷面临的风险,并采用问卷调查法和主成分分析法,检验网络借贷潜在的五大风险：法律风险、信用风险、操作风险、流动性风险和宏观政策被削弱风险,最后对P2P网络借贷监管机制的构建提出政策建议。
P2P網絡藉貸的快速崛起得益于我國小額信貸需求規模的不斷擴大,市場自由競爭以及信息整閤技術和數據挖掘技術的迅速髮展。我國P2P網絡藉貸的髮展仍處于早期階段,不受政府鑑管的狀態導緻P2P網絡藉貸運營風險增加,蘊藏的潛在風險不斷聚集。文章構建瞭P2P網絡藉貸鑑管理論,分析瞭我國P2P網絡藉貸麵臨的風險,併採用問捲調查法和主成分分析法,檢驗網絡藉貸潛在的五大風險：法律風險、信用風險、操作風險、流動性風險和宏觀政策被削弱風險,最後對P2P網絡藉貸鑑管機製的構建提齣政策建議。
P2P망락차대적쾌속굴기득익우아국소액신대수구규모적불단확대,시장자유경쟁이급신식정합기술화수거알굴기술적신속발전。아국P2P망락차대적발전잉처우조기계단,불수정부감관적상태도치P2P망락차대운영풍험증가,온장적잠재풍험불단취집。문장구건료P2P망락차대감관이론,분석료아국P2P망락차대면림적풍험,병채용문권조사법화주성분분석법,검험망락차대잠재적오대풍험：법률풍험、신용풍험、조작풍험、류동성풍험화굉관정책피삭약풍험,최후대P2P망락차대감관궤제적구건제출정책건의。
The rapid rise of P2P online lending benefited from the expanding demand of microeredit in China. The rapid development of free market competition, the integration of information technology and the data mining technology are also significant factors. The development of P2P online lending in China is still in its early stage. The lack of government regulation leads to increasing operation risks and the concentration of potential risks. This paper constructs a theory of regulation of P2P online lending, analyzes the risk China＇s P＇2P online lending faces, tests five potential risks--legal risk, credit risk, operational risk, liquidity risk and macroeconomic poli- cy weaken risk--by means of questionnaires and a principal component analysis. Finally, the paper puts for- ward policy suggestions on the building of the P2P online lending supervision mechanism.
