摘要随着经济的快速进步，个人消费的提前、生产经营的扩大以及资金周转不足等问题，越来越多的人选择贷款，而商业银行的高门槛使小微企业和普通个体难以涉足。互联网金融的发展，P2P网贷平台的不断完善，用户对网贷的需求呈增长趋势。但由于市场机制不健全、行业发展不规范、平台自身的建设问题，风险控制显得尤为重要。商业银行经过几百年的发展，在传统金融领域有着深厚的风险控制经验。因此P2P网贷与银行贷款在风险控制方面的差异研究具有现实意义。本文从P2P网贷的特点和主要运作模式入手，重点分析具有代表性的P2P网贷平台——以人人贷和陆金所为例在风险控制方面的策略，对比商业银行的贷款运作模式和风险控制策略，探讨P2P网贷平台在风险控制方面的策略创新和存在的问题，以及商业银行风险控制对P2P网贷的可借鉴性。P2P网贷与银行贷款风险控制方面的差异研究对解决P2P网贷目前的行业瓶颈，促进国内互联网金融的活力，有着十分重要的意义。48464

Abstract：With the rapid progress of economy, personal consumption, production and operation to expand in advance and such problems as insufficient capital turnover, more and more people choose loan. The high demand of commercial Banks make small micro enterprises and ordinary inpidual cannot participate in. The development of the Internet financial, the continuous improvement of the P2P network credit platform, user demand for network credit growth trend. Because the market mechanism is not sound, the industry development is not standard, the construction of the platform, make the risk control is particularly important. Commercial Banks after hundreds of years of development, the traditional financial sector has a wealth of experience in risk control. So Study on The Difference of The Peer-to-Peer Lending and The Bank Loan in Term of Risk Control has practical significance. This article obtains from Peer-to Peer’s characteristics and main operation, focus on analysis of the typical P2P network platform,such as Renrendai and Lufax in the aspect of risk control strategy. Compare and contrast the loan operation mode of commercial Banks and risk control strategy. To explore the P2P network platform in the aspect of risk control of loan policy innovation and the existing problems,and Peer-to-Peer Lending can learn from Bank Loan in term of risk control. Study on The Difference of The Peer-to-Peer Lending and The Bank Loan in Term of Risk Control,to solve Peer-to Peer’s industry bottlenecks, to promote domestic Internet financial vitality, has the very vital significance.

毕业论文关键词：P2P网贷；银行贷款；运作模式 ；风险控制

Keyword: Peer-to-Peer Lending; Bank Loan; Mode of operation；Risk control

目    录

1.引言 4

1.1选题背景 4

1.2研究目标和意义 4

1.3研究内容和方法 5

1.4研究创新点 5

1.5技术方案 5

2.国内外研究现状 6

2.1 基于国外的研究现状 6

2.2 基于国内的研究现状 6

2.3研究中存在的问题 7

3. P2P网络贷款概况 7

3.1 P2P网络借贷平台在我国迅速发展的原因 7

3.2 P2P网络借贷的特点 8

3.3 P2P网络借贷平台主要运作模式 9