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p2p wang luo jie dai ping tai yun ying mo shi ji feng xian kong zhi si kao ji yu xin xi bu dui cheng shi jiao
Author(s): 
Pages: 33-38
Year: Issue:  5
Journal: Finance and Accounting Monthly

Keyword:  互联网金融P2P网络借贷信息不对称逆向选择道德风险;
Abstract: 作为互联网金融的主要模式之一,P2P网络借贷在一定程度上缓解了小微企业和个人融资难问题。随着行业的不断发展,P2P网络借贷平台面临的跑路、诈骗和"庞氏骗局"等问题也愈发严重。本文对国内外P2P网络借贷平台的运营模式进行比较分析,挖掘其中的委托代理关系和信息不对称问题,并通过信贷"柠檬"模型分析了平台中风险问题的形成机制,进而提出P2P网络借贷平台的风险防控措施:完善平台信用评价体系,构建平台抵押担保体系,建立平台五元三层监管体系。
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