P2P网贷所存在的信用风险

1、When you are old and grey and full ofP2P网贷所存在的信用风险P2P信用风险主要来自于两大方面：一是借款人到期没有偿还资金的风险，而是其虚构债权吸收出借人资金的风险。首先， P2P网贷对借款人的信用评级存在其自身的局限性。P2P网贷属于新兴产业，其发展历程仅短短几年， 进入的门槛较低， 因此大部分网贷公司缺乏专业的信贷风险管理人员， 不具备充分的贷款风险管理能力与资质，容易产生大量的坏账。另一方面，国内社会信用环境不成熟，征信体系不完善、不开放，P2P网贷平台无法像银行一样登陆征信系统便捷地掌握借款人资信情况，并进行有效的贷后管理。此外，平台与平台之间的信

2、息和数据尚未实现共享，很可能出现借款人的信用叠加导致风险破裂， 即借款人在多个平台进行借款，单个平台仅凭自己掌握的数据对借款人资质进行审核，认为其有能力还款， 但无法掌握该借款人在其他平台上有无借款。 这可能会出现借款人在多个平台的总结款额远远超过其本身能承受的范围，导致无法还款。其次，P2P平台的经营者可能通过虚假增信和虚假债权等虚假手段吸引出借人的资金，隐瞒资金用途“拆东墙补西墙”演变成为“旁氏骗局” ，最终是出借人的利益受损。在之前倒闭的 P2P网贷平台中， 不乏出现虚构借款人的情况。 通过伪造借款人，中介平台构筑资金池成为衔接借贷的地下银行。 信息不够透明加上监管的缺失，导致投资人几乎

3、无法辨别真实的投资去向。 还有一些平台采取 “秒标”等方式进行促销活动，以高利息吸引投资者。sleep,And nodding by the fire, take down this book,And slowly read, and dream of the soft lookYour eyes had once, and of their shadows deep;How many loved your moments of glad grace,And loved your beauty with love false or true,But one man loved the pilg

4、rim soul in you,And loved the sorrows of your changing face;And bending down beside the glowing bars,Murmur, a little sadly, how love fledAnd paced upon the mountains overheadAnd hid his face amid a crowd of stars.The furthest distance in the worldIs not between life and deathBut when I stand in fro

5、nt of youYet you don't know thatI love you.The furthest distance in the worldIs not when I stand in front of youYet you can't see my loveBut when undoubtedly knowing the love from bothYet cannot be together.The furthest distance in the worldIs not being apart while being in loveBut when I pl

6、ainly cannot resist the yearningYet pretending you have never been in my heart.The furthest distance in the worldIs not struggling against the tidesBut using one's indifferent heartTo dig an uncrossable riverFor the one who loves you.When you are old and grey and full of sleep,And nodding by the

7、 fire, take down this book,And slowly read, and dream of the soft lookYour eyes had once, and of their shadows deep;How many loved your moments of glad grace,And loved your beauty with love false or true,But one man loved the pilgrim soul in you,And loved the sorrows of your changing face;And bendin

8、g down beside the glowing bars,Murmur, a little sadly, how love fledAnd paced upon the mountains overheadAnd hid his face amid a crowd of stars.The furthest distance in the worldIs not between life and deathBut when I stand in front of youYet you don't know thatI love you.The furthest distance i

9、n the worldIs not when I stand in front of youYet you can't see my loveBut when undoubtedly knowing the love from bothYet cannot be together.The furthest distance in the worldIs not being apart while being in loveBut when I plainly cannot resist the yearningYet pretending you have never been in my heart.The furthest dis