人人貸風險評估報告(已修改)
2025-04-05 12:24 本頁面
【正文】 人人貸風險評估報告篇一：我國P2P網(wǎng)貸安全問題研究 我國P2P網(wǎng)貸安全問題研究 摘要 網(wǎng)貸平臺為借貸雙方提供“一站式”服務(wù)，從信息發(fā)布、資料審核到轉(zhuǎn)賬借款、利率計算、制定還款期限等都是由網(wǎng)站進行專門服務(wù)的。P2P 網(wǎng)絡(luò)借貸平臺對于促進民間金融的發(fā)展也起到了積極的推動作用。P2P 網(wǎng)絡(luò)借貸平臺之所以會在短時間內(nèi)發(fā)展起來，是由其特點所決定的。雖然 P2P 網(wǎng)絡(luò)借貸本質(zhì)上屬于民間借貸的一種形式，但是其依附于互聯(lián)網(wǎng)產(chǎn)生，具有操作便捷、方式靈活等突出的特點，對于傳統(tǒng)金融的補充發(fā)揮出積極的作用。用戶只需進行會員注冊登錄，將自己的身份信息提供給后臺，便可以在網(wǎng)站上發(fā)布自己所需信息，投己所好，達成協(xié)議，受到人們的信賴。本文基于P2P網(wǎng)貸理論概述的基礎(chǔ)上，探討P2P網(wǎng)貸模式存在的安全問題，分析P2P網(wǎng)貸安全問題產(chǎn)生的原因，并進一步提出P2P網(wǎng)貸安全問題控制的對策建議等內(nèi)容。 關(guān)鍵詞：P2P；網(wǎng)貸安全；對策 Abstract The net credit platform to provide amp。quot onestopamp。quot service for both borrowers and lenders, from information release and literature review to transfer loan, interest rate, time limit for the payment is conducted by the website specialized services. Lending to P2P network platform to promote the development of informal finance also has played a positive role in promoting. P2P lending platform is developed in a short period of time, is determined by its characteristics. Although P2P lending in essence belongs to a form of folk lending, but its attached to the Internet, has the characteristics of convenient operation, flexible way such outstanding, the supplement of traditional finance play a positive role. Member lo gin, users only need to provide their identity information to the background, you can release you need information on the website, the oneself mood, to reach an agreement, get the trust of people. Based on the introduction to the theory of P2P network to borrow on the basis of the security problems of P2P network model, to analyze the causes of P2P network credit security issues, and further puts forward countermeasures and Suggestions of P2P network security control loan, etc. Key words: peertopeer (P2P) Net credit security countermeasures 目錄 摘要................................................................ 1 Abstract............................................................ 2 一、P2P網(wǎng)貸相關(guān)理論概述 ............................................ 4 （一）P2P的基本概念界定......................................... 4 （二）我國P2P網(wǎng)貸發(fā)展狀況概述 .................................. 4 （三）P2P網(wǎng)貸模式的運作......................................... 5 （四） 逾期率分析 .............................................. 6 二、 我國P2P網(wǎng)貸存在的問題及原因................................... 6 （一）P2P網(wǎng)貸安全風險問題....................................... 7 1 法律漏洞導(dǎo)致的法律監(jiān)管風險..........................
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