筲都经济贸易大学硕士学位论文 P2P网络借贷的风险分析与管控
Abstract
The private lending has a long history in China,medium and small—sized enterprises have a financing problem since formal financial institution rare provide loan to them,in order to remedy financing gap,medium and small—sized enterprises have had to looking for the suppoa of private (Peer to Peer lending),as a new way of private bined finance with ,has been widely accepted by the has been regarded as a convenient way to connect the lender and the borrower,for the advantages ofthe .In China,there has a rapid development of P2P,the number of participants has showing a considerable growth,the financing scale also has recorded a remarkable has provided a new investment channel to the public,which has a higher rate than the bank interest rates,while also has some potential risks to the participants that have already caused some social loss because of the lack of supervision to ,having a fully understand of the risks of P2P and promulgating suitable policy have e a meaningful topic now.
Firstly,this thesis detailed elaboration the status of P2P in China,including every aspect of the industry,by doing this,there can be a clearly understand of potential risks. Secondly,this thesis has studied the mode ofthe P2P in and the ,the reason to choose this two country is that the P2P has a widely development in this country,the mode of operation,the model to control risk,the rating system and SO on can be a guidance to China.
In order to find the sim ilarities and differences of the various places of China, this thesis uses the cluster analysis and factor analysis as the main metering model, cluster analysis has the advantage of classifying the most similar statistic samples,SO that supervision policy can vary from district tO district.
Key Words:P2P factor analysis cluster analysis supervision policy
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首都经济贸易大学硕十学位论文 P2P网络借贷的风险分析与管控
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