P2P网络借贷平台信用风险研究

Research on Credit Risk of P2P Network Lending Platform

摘要: 本文通过对P2P网络借贷平台信用风险进行结构性分析，探究平台内部不同关联主体之间的信用风险，进而结合我国P2P网络借贷平台发展情况，分析国内P2P平台信用风险及其成因。鉴此提出，监管层应设置P2P平台准入门槛，强化过程监管，建立P2P行业信用评级标准，实施资金托管制度等。此外，平台应加强自律，严格执行对借款人的信用审核，加强平台风险管理，且平台与平台之间应加强合作，促进信息共享。

Abstract: Through making an structural analysis on credit risk of P2P network lending platform, this article discussed the credit risks among different related subjects of the internal platform, and then ana-lyzed the credit risk and its causes of the domestic P2P platform combined with the development of P2P network lending platform in China. So we proposed that regulators should set the access threshold, strengthen the process of supervision, establish a credit rating of P2P industry standards, and implement the fund trusteeship system, etc. In addition, the platform should strengthen self-discipline, execute the credit checks of the borrower's strictly, and reinforce the risk management. Besides, the platform should strengthen the cooperation with the other platforms, and facilitate the information sharing.