P2P网络借贷平台信用风险研究P2P网络借贷平台信用风险研究.pdf

Finance 金融, 2014, 5, 1-5 Published Online January 2015 in Hans. /journal/fin /10.12677/fin.2015.51001 Research on Credit Risk of P2P Network Lending Platform Zhaoyang Xie, Jiao Wang School of Economics and Management, North China University of Technology, Beijing Email: xzy@,163.com th th th Received: Oct. 27 , 2014; revised: Nov. 24 , 2014; accepted: Dec. 10 , 2014 Copyright © 2015 by authors and Hans Publishers Inc. This work is licensed under the Creative Commons Attribution International License (CC BY). /licenses/by/4.0/ 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 stan- dards, and implement the fund trusteeship system, etc. In addition, the platform should streng- then self-discipline, execute the credit checks of the borrowers strictly, and reinforce the risk management. Besides, the platform should strengthen the cooperation with the other platforms, and facilitate the information sharing. Keywords P2P Network Lending, Internal Structure, Credit Risk, Information Asymmetry P2P网络借贷平台信用风险研究 谢朝阳，王 娇 北方工业大学经济管理学院，北京 Email: xzy@,163.com 收稿日期：2014年10月27 日；修回日期：2014年11月24 日；录用日期：2014年12月10 日