导　　师： 姜永宏

学科专业： 020204

授予学位： 硕士

作　　者： ;

机构地区： 暨南大学

摘　　要： 自第一家P2P网络借贷公司Zopa于2005年在英国成立以来，P2P网络借贷开始在世界范围内受到热捧。随着互联网金融在国内的兴起，中国也于2007年出现了第一家P2P网络借贷平台拍拍贷。本文以拍拍贷和红岭创投为例，通过对不同类型的P2P网络借贷平台的探讨，分析我国P2P网络借贷平台的发展并提出建议。分析得出，我国P2P网络借贷发展迅速，存在两种主要运营模式，分别为以拍拍贷为代表的线上无担保模式和以红岭创投为代表的线上线下相结合且担保本金的模式。前者经营成本小，风险可控，但对客户吸引力有限，目前在国内仍保持这一模式的平台数已不多见；而后者成本高、营运风险和法律风险大，但能分担客户承受的本金风险，也因此成为当前国内P2P网贷平台的主流模式。实现P2P网络借贷市场的健康发展，需从P2P网络借贷平台本身和政府规制两方面同时着手。 The first P2P online lending platform is Zopa， which was established in2005,this model was touted in the world since then. With the development of the internetfinance in our country, As the first P2P online lending platform in China，PPDaiappeared in2007. This paper will analyze the development of P2P online lending platform andmake recommendations in the case of PPdai and Hongling capital. According to analyzing, P2Ponline lending develops rapidly in our country. And there are two main operating modes, whichare the online and unsecured Pattern and The combination online and offline andguarantee the principal Pattern. The former operates with a small cost and low risk,but little attraction to customers. The number of platforms that remains this model israre now in our country. The latter attracts customers very well but with high cost andrisk. It’s become the Mainstream model. To guarantee the stable operation of P2Ponline lending industry, both P2P online lending company and government are keyroles.

关 键 词： 互联网金融 网络借贷 运营模式 拍拍贷 红岭创投

领　　域： [经济管理] [经济管理]