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1、目錄第1章緒論..................................................................11.1研究背景與意義.........................................................11.1.1研究背景...........................................................11.1.2理論與現(xiàn)實(shí)意義.....................................
2、................21.2國內(nèi)外文獻(xiàn)綜述.........................................................21.2.1國內(nèi)文獻(xiàn)綜述.......................................................21.2.2國外文獻(xiàn)綜述.......................................................41.3研究方法與內(nèi)容...............................
3、..........................51.4創(chuàng)新點(diǎn)與未來研究方向...................................................6第2章相關(guān)概念綜述.........................................................72.1P2P網(wǎng)絡(luò)借貸平臺概述....................................................72.2P2P網(wǎng)絡(luò)借貸平臺的起源與發(fā)展................
4、............................82.2.1P2P網(wǎng)絡(luò)借貸平臺產(chǎn)生的背景..........................................82.2.2國內(nèi)外P2P網(wǎng)絡(luò)借貸平臺的發(fā)展概況...................................92.3國內(nèi)外P2P網(wǎng)絡(luò)借貸平臺的監(jiān)管現(xiàn)狀......................................10第3章P2P網(wǎng)絡(luò)借貸的特點(diǎn)與流程...................................
5、..........113.1P2P網(wǎng)絡(luò)借貸的特點(diǎn).....................................................113.1.1信息透明、交易便捷................................................113.1.2起步金額小、期限短、利息高........................................113.1.3貸款參與門檻低............................................
6、........123.2P2P網(wǎng)絡(luò)借貸平臺的業(yè)務(wù)操作流程.........................................133.3資費(fèi)收取..............................................................13第4章P2P網(wǎng)絡(luò)借貸平臺存在的問題...........................................144.1缺少法律依據(jù)..............................................
7、............144.2缺乏監(jiān)管主體..........................................................154.3個人信用風(fēng)險較大......................................................164.4演變成非法金融機(jī)構(gòu)....................................................17I河北金融學(xué)院碩士學(xué)位論文4.5利用P2P平臺進(jìn)行洗錢.................
8、.................................184.6削弱國家宏觀調(diào)控效果..................................................194.7平臺信息安全存在隱患..................................................20第5章P2P網(wǎng)絡(luò)借貸平臺監(jiān)管的
