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本文总结了三种不同的P2P网络借贷平台坏账风险的承担模式:P2P平台自身设置风险准备金承担坏账风险、引入第三方担保公司承担坏账风险、由投资人承担坏账风险。结合实际案例,对这三种模式进行对比分析和研究,指出了这三种模式的利弊和风险程度。最后进行P2P发展前景的展望并提出监管建议。
This article summarizes three different modes of commitment to risk of bad debts in P2P lending platform: the P2P platform sets the risk reserve to bear the risk of bad debts, the introduction of a third party guarantees the company to bear the risk of bad debts and the investors bear the risk of bad debts. Combined with the actual case, the three modes are compared and analyzed, and the advantages, disadvantages and risks of these three modes are pointed out. Finally, the prospect of P2P development prospects and put forward regulatory recommendations.