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作者签名： 签字日期： 2018年 6月 4日
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签字日期：2018年6月4日 签字日期：2018年6月4日
ACKNOWLEDGEMENTS
My deepest gratitude goes first and foremost to Professor, my supervisor, for her
constant encouragement and guidance. She has walked me through all the stages of the
writing of this thesis. Without her consistent and illuminating instruction, this thesis
could not have reached its present form.
Second, I would like to express my heartfelt gratitude to all other teachers who led me
into the world of strategic management and whose lectures have given me inspirations.
Their insightful advice and informative lectures have enriched my knowledge about
strategic management and therefore widened my academic view.
Last my thanks would go to my beloved family for their loving considerations and great
confidence in me all through these years. I also owe my sincere gratitude to my friends
and my fellow classmates who gave me their help and time in listening to me and
helping me work out my problems during the difficult course of the thesis.
i
ABSTRACT
In recent years, as a result of the combination of information technology and the
financial industry, Internet finance has developed rapidly, and has caused a
considerable degree of impact on China's traditional financial industry. One of the
typical models - P2P online lending is in a period of rapid growth. P2P online lending
can increase the utilization of capital and bring benefits to economic development and
social stability. However, under the background of unsound industry supervision, in
the rapid development of P2P network lending, there have been some problems in the
P2P lending market, negative issues such as false bidding, high interest, and illegal
fundraising of P2P lending platforms have appeared frequently, and many platforms
are facing the same problem. The operating dilemma includes high operating costs,
lack of talents, and insufficient control of risk control. As a result, turbulence such as
running tides and closing tides frequently occurred, which made the credibility of the
entire industry subject to extremely bad influence. Faced with the challenge of this
Internet financial model, it is very necessary to carry out a thorough review of its
current status and characteristics and to conduct a comprehensive analysis of its
possible risks. In order to improve the risk control system of the P2P lending industry
and promote the sustainable development of China's Internet finance. Today,
monitoring and promoting the development of P2P online lending platform has
become one of the important measures for the country to promote the development of
Internet finance. The healthy development of P2P online lending is inseparable from
risk control and management. This paper introduces the P2P online lending platform
model and characteristics, analyzes the P2P network loan operating model to get some
of the main risks of the P2P online lending platform. Taking ZP Corporation as a case,
the risk points were analyzed to obtain the countermeasures and suggestions for
controlling these major risks.
Keywords: P2P online lending, Supervision, Risk Control
ii
摘 要
近些年来，互联网金融作为信息技术和金融业结合的产物发展势头非常的快，
并对我国传统金融业造成了相当程度的冲击。其中的典型模式-P2P网络借贷更
是处在飞速增长的阶段。P2P网贷模式提高了资金的利用率，有利于经济发展和
社会稳定。然而，行业监管不健全的背景下，在P2P网贷的高速发展，P2P网贷
市场出现一些问题，P2P网贷平台的假标、高息、非法集资等负面问题频繁出现，
很多平台面临着同样的经营困境，包括运营成本过高、人才缺乏、风控策略不足
等等。结果跑路潮、倒闭潮等乱象频频发生，使得整个行业的公信力受到了极其
不良的影响。 面临这一互联网金融模式的挑战，十分有必要对其现状和特点进
行深刻地梳理，并对其可能存在的风险进行全面的分析。以便完善P2P借贷行
业的风控体系，促进我国互联网金融可持续发展。如今，监管和促进P2P网贷
平台发展，已经成为国家促进互联网金融发展的重要举措之一。P2P网贷的健康
发展离不开风险控制管理。本文通过介绍P2P网贷平台模式和特点，对P2P网
贷运营模式进行分析得出P2P网贷平台所存在的一些主要风险。再以ZP公司为
案例，对风险点进行剖析得出对这些主要风险的控制的对策和建议
关键词：P2P网贷，监管，风险控制。。。。。。