摘要自从P2P网络融资模式2007年进入中国，我国掀起了“P2P网络融资的浪潮”，这种融资方式为融资困难的中小企业和个人提供了新的融资渠道，也为拥有闲钱的投资人开辟了方便快捷，高利息的获利方式。短短7年时间，P2P网络融资发展迅速。但是由于P2P网络融资平台在国内起步较晚，发展的时间相对较短，加上国内的网络技术和政策监管体系的不健全等因素，从而导致了在行业规模不断增加的同时，随之而来的风险日益显著。网络环境的虚拟性，市场诚信的缺失和监管不到位等问题在一定程度上使得网络融资中的信息不对称现象严重。   43937

目前关于我国P2P网络融资中信息不对称问题的研究甚少，本文在参考行业相关文献的基础上，通过对我国P2P网络融资的发展现状分析，指出信息不对称问题的存在，并基于信息不对称理论的学习和运用，归纳这一问题的主要表现和产生的风险，总结原因。通过建立相关模型说明解决问题的基本思路，给出具体对策，并采用现实案例提供可操作的措施，希望对P2P网络融资平台风险防范和行业健康发展有参考意义。

Abstract：Since P2P network financing mode entered China in 2007 , China set off a "wave of P2P network financing", this form of financing provide a new channel to small and medium-sized enterprises and inpiduals who have the financing difficulties, but also open up a convenient, high interest profit method for investors who have spare money. Just in 7 years, the development of P2P network financing is rapidly. However, due to P2P networks financing platform started late in China, has a short time to develop, and the domestic network technology and policy monitoring system is not perfect and other factors, resulting in the network financing scale is increasing at the same time, the attendant risk becomes more and more significant.The virtual network environment, lack of supervision and the integrity of the market is not in place,and some other problems, to a certain extent, made the phenomenon of asymmetric information serious in P2P network financing.

     At present, the research about asymmetric information in P2P network financing is very little. In this paper, on the basis of the literature,through the analysis of current development of P2P network financing, points out the existence of asymmetric information problem, and use the theory of asymmetric information to summarize the reasons and risks in the P2P network financing industry, to solve the problem by establishing models and describe the basic ideas, propose specific suggestions, and to use of real case to give out feasible measures. Hope it has reference value for P2P network financing platform’s risk prevention and the healthy development of P2P network financing.

毕业论文关键词：P2P网络融资； 信息不对称； 风险防范 

    Keywords: P2P network financing; information asymmetry; risk prevention

目    录

1  引言 5

1.1 研究背景和意义 5

1.2 研究目的和内容 5

1.3 研究方法和技术路线 6

1.3.1 研究方法 6

1.3.2 技术路线 6

1.4 本文创新点 6

2  文献综述 7

    2.1 信息不对称理论 7

    2.2 P2P网络融资 8

    2.3 研究综述总结 9

3  P2P网络融资的发展现状