摘要我国P2P网络借贷行业高息高吸、自融自用、分标拆标的信用乱象使整个行业面临深刻的生存危机，至今仍未走出信用危机的阴霾，信用重建势在必然。本文通过整理国内P2P行业的主要运营模式及缺陷，将国外个人信用风险评估体系、国内商业银行的个人信用评价指标，与P2P网贷借款人信用风险评分进行比较，总结我国P2P网贷借款人的信用风险表现。从信用意识、信用能力和社会环境三个方面进行分析，归纳我国P2P网络借贷行业信用风险成因，从信用约束和信用培育两个角度，以外部监管和平台内部信用管理为着手点，提出化解P2P信用风险的对策。58233

Abstract: P2P network lending industry in China is struggling for high-interest lending and high-absorption, self financing and the demolition of standard. These credit chaos split the whole industry in a deep crisis, has not yet out of the shadow, the credit rebuilding is imperative.By finishing the main mode of operation and defects of domestic P2P, the essay comprised the borrower credit risk scores in P2P with the personal credit risk assessment system in foreign countries and personal credit evaluation index of domestic commercial banks, summary the borrower's credit risk performance of China's P2P. Furthermore, the study from three dimensions of credit constraints, credit incentive and credit cultivation inductive the credit risk causes of the P2P network lending in china. And in credit constraints and credit cultivation two aspects, from external supervision and internal credit management platform as a starting point to Put forward the countermeasures to resolve the P2P credit risk in China. 

毕业论文关键词：P2P网络借贷；信用风险；监管

Keyword: P2P network lending；Credit risks；Supervision

目    录

1引言 4

1.1 研究背景和意义 4

1.2 研究内容 4

1.3 研究方法 4

1.4 本文创新点 5

2 文献综述 5

2.1 P2P网络借贷信用风险的表现 5

2.2 P2P网络借贷信用风险成因分析 5

2.3 弱化P2P网络借贷信用风险的研究 6

2.4 研究存在的问题 7

3 我国P2P网络借贷行业信用风险的表现 7

3.1 经营模式固有的信用风险 7

3.1.1 我国P2P网络借贷主要经营模式信用风险 7

3.1.2 信息不对称信用风险 8

3.2 借款人信用风险 9

3.2.1 我国P2P平台与商业银行个人信用风险评价指标对比 9

3.2.2 我国P2P平台与美国FICO个人信用风险评估体系对比 10

3.2.3 我国P2P网络借贷借款人信用风险表现 11

4 我国P2P网络借贷行业信用风险成因分析 12

4.1信用意识成因 12

4.1.1基于权益保障的信用风险成因 12

4.1.2基于经营理念的信用风险成因 13

4.2 信用能力成因 13

4.2.1 基于资产规模的信用风险成因 13

4.2.2 基于资金管理的信用风险成因