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1、P2P網(wǎng)絡(luò)借貸模式下小微企業(yè)融資風(fēng)險的探究Theinvestigationofmicro-enterprisefinancingriskinP2Plendingmode摘要當(dāng)前，P2P網(wǎng)絡(luò)借貸已經(jīng)成為小微企業(yè)民間融資的一種新途徑，但是，在其方便、快捷、成功率高的背后，也存在不少隱憂。探索P2P網(wǎng)絡(luò)借貸平臺的區(qū)域發(fā)展模式，方能降低融資風(fēng)險，促進小微企業(yè)的發(fā)展。P2P網(wǎng)貨與小微企業(yè)的共同成長已成為有目共睹的事實。文章基于小微企業(yè)PZP網(wǎng)絡(luò)貨款平臺融資的收益及風(fēng)險權(quán)衡分析，真正做到扶持小微企業(yè)，實現(xiàn)PZP網(wǎng)貨與小
2、微企業(yè)的共榮共贏。本文通過了解P2P網(wǎng)絡(luò)借貸的背景和意義，研究它的概念及優(yōu)勢，分析了在P2P網(wǎng)絡(luò)借貸模式下小微企業(yè)所面臨的各種問題，并提出了相應(yīng)的建議和解決措施。最后選擇拍拍貸進行實證研究，通過對拍拍貸數(shù)據(jù)的實證分析，得到影響出借人出借資金的可能性的因素。發(fā)揮P2P網(wǎng)絡(luò)借貸在小微企業(yè)融資中的積極作用，結(jié)合網(wǎng)絡(luò)借貸存在的問題和實證結(jié)論，相應(yīng)的提供一些政策建議。首先，政府明確借貸平臺的性質(zhì)，確定監(jiān)管主體；在完善相關(guān)法律規(guī)范的同時，健全監(jiān)管制度；加強個人和小微企業(yè)信用體系的建設(shè)。其次，加強平臺自身建設(shè)，建立風(fēng)險儲
3、備金防范風(fēng)險。個人和小微企業(yè)要提高信用價值意識，注重平臺社會資本的積累與維護。關(guān)鍵詞：P2P網(wǎng)絡(luò)借貸、小微企業(yè)、融資AbstractCurrent,P2Pnetworklendinghasbecomeanewwayofprivatefinancingofsmallandmicroenterprises,but,initsconvenient,fast,highsuccessratebehind,therearealsoalotofworries.ExploretheareadevelopmentmodelP
4、2Pnetworklendingplatform,inordertoreducefinancingrisks,andpromotethedevelopmentofsmallandmicroenterprises.GrowP2Pnetworkgoodsandsmallbusinesseshasbecomeobviousfact.ArticlebasedonincomesmallbusinessesPZPnetworkpaymentplatform,financingandrisktrade-offanalys
5、is,trulysupportsmallandmicroenterprises,andPZPcargonetwithsmallandmicrobusinesseswin-winandcommonprosperity.????ByunderstandingthebackgroundandsignificanceofP2Pnetworklending,studiesitsconceptandadvantages,analyzesvariousproblemsfacedbysmallandmicroenterpr
6、isesintheP2Pnetworklendingmodel,andputsforwardsuggestionsandsolutions.Finally,chooseapat-primeempiricalresearch,empiricalanalysisofthedataoftheloanpatgivelendersfactorsinfluencepeoplelendingmoneypossibilities.????PlayanactiveroleintheP2Pnetworklendingofsma
7、llmicro-enterprisefinancing,combinedwithnetworkloanproblemsandempiricalconclusions,appropriatetoprovidesomepolicyrecommendations.First,thegovernmentclearthenatureoflendingplatformtodeterminetheregulatorybody;atthesametimeimprovetherelevantlawsandregulation
8、s,improvetheregulatorysystem;strengthentheconstructionofindividualandsmallmicro-enterprisecreditsystem.Secondly,tostrengthentheconstructionoftheplatformitself,toestablishariskreserveriskprevention.Individuals
