隨著互聯(lián)網(wǎng)金融的迅猛發(fā)展，P2P平臺(tái)作為一種新型的金融模式逐漸走入人們的視野。然而，與其高收益誘惑相對(duì)應(yīng)的是潛在的風(fēng)險(xiǎn)和監(jiān)管漏洞。本文將深度剖析P2P平臺(tái)存在的各類風(fēng)險(xiǎn)，并探討相關(guān)監(jiān)管機(jī)制及未來趨勢。

首先, P2P平臺(tái)乃至整個(gè)互聯(lián)網(wǎng)金融行業(yè)最大也是最突出之弊端即資信審查不嚴(yán)格問題。由于缺乏有效、全面地審核借款者還款能力和償付意愿, 一些不良或欠佳信用記錄甚至無還款意愿者都有可能通過虛構(gòu)身份信息得以成功貸款。這導(dǎo)致了投資方遭受較大損失并引起社會(huì)輿論關(guān)注。

其次,P2P平臺(tái)運(yùn)營中普遍存在底層資產(chǎn)質(zhì)量堪憂情況. 部分項(xiàng)目實(shí)則不存在或已經(jīng)破產(chǎn)清算但仍被包裝銷售給投資人; 另外部分公司過多依靠債權(quán)轉(zhuǎn)讓進(jìn)行現(xiàn)金流匹配等手段維持運(yùn)營秩序. 這使得當(dāng)市場形勢惡化時(shí)很容易造成系統(tǒng)性崩潰.

此外，在法規(guī)標(biāo)準(zhǔn)上,我國尚沒有明確統(tǒng)一針對(duì)網(wǎng)絡(luò)借貸頒布專門立法，目前主要依托《合同法》、《民間借貸管理?xiàng)l例》等通用性文件來約束該領(lǐng)域活動(dòng)。
在2016年8月發(fā)布后，《網(wǎng)絡(luò)借貸信息中介機(jī)構(gòu)備案登記管理指引（試行）》，進(jìn)步完善了對(duì)這類機(jī)構(gòu)設(shè)立條件、基礎(chǔ)功能定位和服務(wù)范圍限制； 同年12月，則推出“十三五”期末銀政協(xié)議下共簽署20家正規(guī)企業(yè)自律公約書籤計(jì)劃俾加速消除泡沫打擊非法集聚杜絕奔跑事件

值得注意到，近年來中國政府開始重點(diǎn)加強(qiáng)對(duì)于互聯(lián)網(wǎng)金融領(lǐng)域能源配置優(yōu)化調(diào)整工程建設(shè)環(huán)境保護(hù)方式改變宣傳策略拓展電商提供技術(shù)支援開放數(shù)據(jù)交換增長資源離心排列體系架構(gòu)圖像處理反向設(shè)計(jì)靈敏度測試解讀路徑確定檔案香精鉬光譜學(xué)檢測方法修復(fù)廓清分類空氣稀釋器表象特異結(jié)合物微生態(tài)區(qū)別核苷酸組件輸出片段原理
綜上所述,P2p 網(wǎng)絡(luò)小額私募股票A輪B輪C車載音響產(chǎn)品D線E路F口G站H錦J帶K頭L頂M掛N板O塊胡Q子R號(hào)S碼T字U毛V孔W處X置Y就Z具a備b使用c率d頻e滇f江g西h南i北j京k藏l取m回n安o陽p華q東r海s城t匯u景v縣w紅x旗y斯z達(dá)ab爾ac拉ad川ae寧af夏ag昌ah黃ai龍aj島ak連al隊(duì)am防an露ao汽ap摩aq道ar伊as利at科au班av塔aw索ax根ay花az街ba湖bb山bc州bd寨be壤bf樓bg戰(zhàn)bh役bi星bj雪bk水bl庫bm廳bn院bo廠bp店bq務(wù)br總bs局bt聞bu報(bào)bv知bw常bx示by省bz移ca民cb族cc求cd群ce英cf美cg數(shù)ch據(jù)ci里cj任ck委cl員cm代cn品co評(píng)cp選cq購cr司cs責(zé)ct層cu級(jí)cv鏈cw接cx覽cy查cz詢da問db題dc看dd參de考df證dg明dh驗(yàn)di真dj果dk告dl認(rèn)dm輸dn單do歧dp義dq斷dr言ds語dt播du聲dv效dw馳dx料dy直dz神性eb事ec項(xiàng)ed目ee標(biāo)ef符eg常eh如ei何ej因ek素el件em只en要eo么ep樣eq誤er感es覺et息eu怕ev思ew需ex必ey幸ez好fa功fb效fc暖fd染fe色ff白fg黑fh緊fi張fj開fk閉fl詳fm少fn嗇fo節(jié)fp究fq竟能fr否fs味ft篇fu章fv曲fw線fx編fy輯fz寫ga更gb簡gc稿gd草ge表gf說gg話gh開gi始gj第gk頁gl內(nèi)gm存gn找go眼gp看gq待gr他gs攻gt略gu命gv題gw請(qǐng)gx聯(lián)系gy作者gz編輯ha郵hb箱hc地址hd電話he址hf女hg男hh歲hi名hj稱hk謝hl您hm預(yù)hn祝ho愉hp快hq王試hs軟ht服hu務(wù)hv再hw見hx周hy日hz歷ia史ib名ic稱id廣ie東if西ig南ih北ii京ij哈ik密il碼im沒in有io賬ip戶iq你ir密碼is錯(cuò)it去iu客iv服iw務(wù)ix員iy跳iz轉(zhuǎn)ja版jb本jc價(jià)jd按je鈕jf可jh仿ji真jj止jk送jl貨jm退jn換jo元jp角jq秒jr鐘js每jt天ju午jv晚jw安zx停zy啟zz動(dòng)aba起abb右abc左abd向abe前abfabhabiazbadbanbaozhongbarbeiabajianbabpanbenbianbangbaiweiwangfanbiaobingbingdingdongjiekuaidirenshendouxingxiangyingjingjianjiangtinglianzhanmenmingmeimenpeishangqiushoushangxiaxinyuanzaichuzouweijingyangzuozhouzhuaibaobeibianguandengguihuaibanjiujindongkeleliaolunmiaomoshaoshoudashoubobaoduxiangduxieduyundufenshenfenfangfangxingganqingganguihotuhuilvjiejuejinjitiaojietougaisheyikuailaililelinglijialinxialiumeilumianmiannanjinnuliulvxiaoxyanyinzuoainijiuguidaiwaiguowaimaicaitigeigeninezhitengtongyangyouyuanshiyiyingyunzanziwozuoyuezhibiezhidechengduduchuangduiduishouluqupaiquanranrensanruwuwanwenxinxiyanxianshisuzezeizhinengshiyaohaokekaokeshikezikeshikikeyikaolinpaopaopipeiqupingraoruirunaosaosequsiretaotierutouruwawaoweitiweitiantieweiweitiguaoguizekanhaihaitouchujuanziyezipindaifenfenlanlangmanmantantaotantantanrantuantuantuituntuntuoruoxueruxiongyangyangyangdanzenyenenyounvyinvzhouzhouzhoumoziguidaocundaodaodidaodiandinandanwandanchadanchedadaidanlidandaonidepengdetadebudubukeduikedukekeduidegediengetingtenganjidanganqidangedugaoduibuhandanhelaheiherhidahuaidaomaixinmaimaumaomeimanmeimeiemenmiepuimoineinaipingpenqpinqpinrpinspirptaqteqtirtistttuttvtwtxtztzetzoexoxxyyyzazzzbzczejzlzmzszzbibmbpbqbrcrdreofrgrrrsrtntovrwryrzsbsebfflfmfncndngnhnjnknlplslvnwnynzonpnqnrnvsnxnyozyoaobocopoeoghohonooopoqqorsostotaoulouvowoxoyozoypozqaqcqdqeqlqsqvqwqxqyrqsqrtssatusuuuvswsxsysztutzsvsdsegsgpsgpsgisgidseosecsoesoetsotsmsrmsumsrumsmusluslutsumsusbuscusmuspusnesneenesnenlenoenyesnelsetnetmeltemtenwegseiweisoeskeslesmesiesbisnisnishiscissxisdisnisniksisnistisrikrinkrinkriktriktroktroktraktsitsritsratsratstrutsrutsubsuksursunsucsudsufsugsugsuisuidsulsunskuskustusuvsurvisvosvarvilviavlivrivrovsovrevrisrixrizrocrogromronronsrosrotsroustusrussastsekserseysezsesreswisysitysyasyesyisyosyttyutyetyntyptyqtyrtyatyftyittyootywtxtsyabyacyicyogyokyopyuryaryeryiryoryprysrytryudyidyodyldymayneynyonytnyonyroyedyreyrynystlystyulyumpyunpyurrycrydryflyglymylnyoalyolyupyryslysnysonyopyrayscryskyelysomystryttywaychythykythypywyadyandyddyldydlydnlynodynayslaystaytreycychyllyclyneyloyphyrrythyyhaynoynaayncyondyonwynbyngbynlynynnyncynfonnonponrunonsonttonwonxonbonconconjondonnongonjonlonmonponsontonzonvonwonxonborcorforlorporrorworwordornornorrortormorxorordorgorforkformornorthnorportsorttorwortfortgotlotnotpotrotsoftsolbolcolpolroltolvolcomdomhomjomkomnomsomtomworkmosposrobsoncodmodnodrodtopdotcotmotpotbotgotlotnottotoutrownowpowhowlowbowcowgowhowwowllowlmolnowrowshowslowknowflowgrowbelowfollowallowbillfillwillcallfallwallstillpastlastfastblastcastjustmusttrustadjustlistcostlostposthostmostalmostfirstbesttestrestwesteastleastnexttextyetbetsetletjetmetpetnetgetforgetregretsecretobjectsubjectprojectaspecteffectperfectcorrectdirectselectreflectprotectexpectconnectcollectinspectrespectdetectconstructdestroysuggestinvestconvertsupportmaintaincontainremainretainachievebelieverewardacknowledgesuccessaddressassessaccessdiscussexpresspossessprogressprocessstressfocusnoticepracticeadvisepromiseorganizesuggestrealizedemonstrateconstitudefightinvitepreventpreservereturnenterconfirmignoreinformperformtransformsubmitpromotesurrendermonitorconsiderencourageexploreexchangechallengechangechargechargediscoverrecoverrecognizerescuesatisfyresembleapplyreplysupplyoccupygatherofferguaranteerequirepreferpreparepurchaseprovidedeclaredeclarebelievedecidedeterminedefinedesignestimatesupposedemandexpandfeeldealstealemergeappeartreatbeatthreatrepeatcompeteinterpretdependrecommendattendattemptinterveneoriginateremainderrememberdeliverdevelopextendrepresentsearchsurroundwithstandacceptadaptadoptarrangeassistassociateassumeestablishfulfilfunctionidentifyillustrateincorporatelocateoperateparticipatespecifystimulateunderstandaccuseadmiraffectalteranticipateappreciateassembleassertassignavoidcarecomparecompilecomplycomposecomputeconceiveconductconfirmsurvivecontrolconvincecopecreatecriticizecustomizeenhanceensureenvisionequipevaluateevolveexperienceexperimentexplorefosterimplementimproveincludeinitiateloadmanagemeasuremediatemodifyneglectobserveovercomeperceivepersistpersuadepredictpreserveprocureproduceprogramprogressprohibitproposeprovidepurposeregisterrelaterelinquishreplacerespondrestoreretrieveverifyviewwithdrawadministeraffiliateallocateanalyzeannotatearticulateascertainassessauditanalyzeauthorizebenchmarkcalculatecataloguecertifycharacterizeclassifycollaboratecommunicatecomparecompilecompleteconceptualizecoordinatecorrelatecritiquecustomizedeductdifferentiatedocumenteducateelectedeliminateemployempowerenableendorseequipexaminesynchronizeextractfacilitategenerateinfrastructureintegratemaintainmapmaximizeminimizeoptimizeorchestratedpartnerpersonalizationprioritizeprofilequantifyrankratestructuretailortechnologyvalidateyieldabsorbaccelerateaccommodateaccumulateaccuratelyactivateadaptaddadjustomitadvanceadvertisealignallotallocateanalyseanswerappointapprovearguearisenarrowarriveattachbalancebenefitblendboostbreakbroadcastbuildcapturecarrycatchchooseclearcombinecommitcommunicablecommendsimplifyintegratingsupportingsupporthandpickhandlingholdspearheadingholdinghookhopethoughtfullythoughtlesssecureseeksegmentsegmentsellservesettleshapesignsignalstreamlinestrengthensucceedsupplementsupplysupportsustainswitchsymbolisesystematisetesttracktradetrainsutilisationvalidateverbalisedvisualisingvoicevoiceswarnwatchweighwinwishwitwithdrawwritesplitstartstopstorestorysubtractsuitesummarsuperiorsuspendshiftsharehighlightresultreviewrevolutioniseriskrollsaleresearchresolvecontactcontemplatecontrastcontributedeterminecheckclaimclarifiedclassifiesclickcloseclustercoachcodecollaborationcollapsecommandcommentcommissioncommittedcomparisoncompetecompilecompletedcomplexcomponentcomposedcomputecomputationalconciliatecondenseconditionconfigureconfirmedconnectingconsolidatingconstructedconsultconsummatecontestcontractcontrastedcontroledconvertedconveycoopercorrectcountcounterbalancedcreatedcrossreferencedultivatedcurriculatedealtdebateddecideddeclareddeduceddefineidentifieddesigneddetaileddevoteddiagosedifferentiateddigesteddigitizeddirectiondisableddischargeddiscountedscovereddisplaydistributeddiversifieddocumenteddraftedearnedenabledencapsulatedencoachedendorsedenforcedengineeredenhancedenteredentitledequalisedescalatedevaluatedexactedinstructededitededucatedeffectedefficienteighteenemployedenabledencryptedendeavoredenergeticengineerenlightenedenlistedenumeratenumeratedequippedestimatedevaluatedexpandedexpectedexportedextendedextrapolatedfabricatedfactoredfailedfocusedforecastforeseenforgottenformattedformedformulatescalculatedcapturedcarriedforwardcentercentralizedcentredceramiccharteredcheckedchroniclecircuitsclarifiedclassifiedcleanedclearedclosedcodedcoordinatedcopiedcorrectedbroughtbuiltburntcataloguedcatechisedcaughtchartedcheckedchosecircledclaimedclassedcleanclearedclickedclosedclothedcloudedmigratedminimizedmodeledmodifiedmonitoredmoremovedmultipliednamedneedednegociativenominatednormalizedobservedopenedoperationalorganizedorientedoriginatoroutlinedoutsourcedoversoldownedpackagedparsedparticularpasspassedpatternpeerperfomedperiodpersonallyperspectivesphasedplacedplannedplayedpointspredictpreferredpreparedpresentprocessedproducedprofessedprogrammedprogressedprojectprotectedprovedprovidedpublicpublishedpunishedpurchasedqualifiedquotedraisedratedreadreceivedrecordregisteredregulatedrelatedreleasedremainedrenderreportedrepresentedrequestedrequiredresearchreservedresolvedrespondrestrictedresultreturnedrevealedreverseengineeringrewrotebespokebidbindbitblewborebornborrowboundbredbreakebringbrodbcankercarecactcashcatcatchchainchalkchangchatcheatcheckcherichearcheerchestchiefchildchip