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P2P在我国经历了迅速的发展,市场交易量由2014年的117亿增长到2440亿,平台数量也从2014年的2000家发展至今已经超过5000家。伴随着P2P的急速扩张,P2P平台也出现了诸多问题,如行业监管混乱、平台跑路等,截止目前为止,P2P的问题平台已经达到3454家,公众也产生了对于P2P平台的信任危机,部分P2P平台甚至出现了挤兑风潮。随着行业的规范,P2P平台的发展方向由最开始的“跑马圈地”转变为对企业内部的风险控制。而优秀的内控也往往意味着吸引更多的投资者,拥有更多的客户资源。本文分为三部分,第一部分是理论综述,介绍目前P2P行业的研究现状、运营模式;第二部分分析了P2P平台的基础上建立数学模型,以其通过这两类数学模型,判断不同的因素对平台运营产生的风险,并据此计算个人对P2P平台的期望;第三部分是基于第二部分的分析结果,提出相应的平台运营与监管模式改进方法。
P2P has undergone rapid development in our country. The market transaction volume has increased from 117 billion in 2014 to 244 billion. The number of platforms has now surpassed 5,000 by 2000 from 2014. With the rapid expansion of P2P, many problems have emerged on the P2P platform, such as confusion in the industry supervision and platform running. So far, 3454 P2P problem platforms have been reached, and the public has also had a crisis of trust in the P2P platform. In part, Peer-to-peer platform even appeared on the runway. With the industry standard, the development direction of P2P platform from the very beginning “staking area ” into the control of the risk within the enterprise. Good internal control also often means attracting more investors, with more customer resources. This paper is divided into three parts, the first part is a theoretical overview, introducing the current P2P industry research status and mode of operation; the second part analyzes the P2P platform based on the establishment of mathematical models, with which the two types of mathematical models to determine the different factors The risk to the operation of the platform and the calculation of personal expectations of the P2P platform. The third part is based on the second part of the analysis, and put forward corresponding methods of platform operation and supervision mode improvement.