在风险汇聚层面P2P与保险跨界合作探讨
关键词：P2P平台； 信用风险； 履约保证保险
Abstract
Peer-to-Peer (P2P) Lending has been working for more than 8 years since it entered China on May, 2007. As it grew stronger and stronger, the cumulative volume of lending has already exceeded one trillion Yuan. At the same time, the P2P lending platform is out of control, for examples, the platform disappearing, bad debts, overdue and the collapses occurs frequently. In this paper, after illustrating the mayor risks and deficiencies of two existing guarantee models：guarantee model and risk reserve model, point out that the platform should use the new mode of＂P2P + an agreement to guarantee the insurance＂as a supplementary form to protect the investors. Combine the current situation of the development of the new mode and obstacles and put forward the related countermeasure and the suggestions. With the develoment of the new form of "P2P + credit insurance", the platform can improve the ability to resist the key risk, which can help the industry develops healthily.
Key words：Peer to Peer credit platform； Credit risk； Agreement to guarantee the insurance
目 录
摘 要 I
Abstract II
一、我国P2P平台发展现状 - 5 -
（一）我国P2P平台的发展概况 - 5 -
（二）问题平台数量剧增 - 6 -
二、我国P2P平台面临的风险 - 7 -
（一）政策风险 - 7 -
（二）市场风险 - 7 -
（三）竞争风险 - 7 -
（四）信用风险 - 8 -
三、我国P2P平台风险保障模式 - 8 -
（一）担保公司担保模式 - 8 -
（二）风险准备金模式 - 10 -
四、P2P+保险：履约保证保险 - 11 -
（一）P2P与保险合作机遇 - 12 -
（二）P2P与保险公司合作的现状 - 13 -
（三）核心风险保障模式：P2P+履约保证保险 - 14 -
（四）P2P+履约保证保险模式合作难点 - 15 -
五、P2P+履约保证保险模式发展的对策 - 17 -
（一）定位好未来的发展方向，选择匹配的合作模式 - 17 -
（二）构建共同的风控体系，实现数据共享 - 17 -
（三）厘定合理费率，理赔共担风险 - 17 -
（四）尝试与担保公司的合作，建立多重保障 - 18 -
（五）针对监管部门颁发的法律法规，进行适应性的调整 - 18 -
参考文献 - 20 -
致 谢 - 21 -
在风险汇聚层面P2P与保险跨界合作探讨
（二）问题平台数量剧增
P2P网贷行业发展速度迅猛，并取得傲人的佳绩，但由于监管法规迟迟未出台，必要的监管和指导没做到位，P2P平台频频发生失联跑路，截止2015年底，有将近1/3的平台出现问题，全国问题平台共计1211家。而2015年全年新增加的问题平台已经达到896家，是2014年的3.26倍。各年P2P问题数量如图3所示。