此文档是毕业设计外文翻译成品（含英文原文+中文翻译），无需调整复杂的格式！下载之后直接可用，方便快捷！本文价格不贵,也就几十块钱！一辈子也就一次的事！外文标题：RisksandManagementofP2POnlineLending外文作者：YulinDu文献出处:AdvancedMaterialsResearchVols.926-930(2018)pp3950-3953(如觉得年份太老，可改为近2年，毕竟很多毕业生都这样做)英文2316单词，14953字符(字符就是印刷符)，中文3738汉字。（如果字数多了，可自行删减，大多数学校都是要求选取外文的一部分内容进行翻译的。）RisksandManagementofP2POnlineLendingKeywords:P2Ponlinelendingplatform,Risksandmanagement,Creditrisk,SocialNetworksAbstract:Inthispaper,wefocusontherisksandmanagementoftheP2Ponlinelendingsuchasfundssecurityrisk,creditriskandqualificationrisks,thenanalyzetheproblemsinP2Ploanbusiness,weconcludethispaperbyproposingsomemeasuresindevelopingChinaP2Ponlinelendingbusiness.IntroductionP2P(PeertoPeer)onlinelendingisthatthelenderlendmoneytotheborrowersthroughonlinelendingplatforms.Onthequalifiedlendingplatform,whichisalwaysawebsite,borrowersreleasetheirmoneydemands,thelendersbidtotheborrowers.TheP2Ponlinelendingisanewfinancialservicesbasedonthenetwork,itisanewkindofprivatelending.Itiscompetitiveforitssimplicityandflexibility.Itisasupplementtomodernfinance.P2Ponlinelendingplatformistobuildthird-partyserviceplatformwherethelendersandborrowerscanfindtherightperson.OnP2Ponlinelendingplatforms,theborrowersissuetheirself-borrowingdemand,includingtheamount,interestrate,repaymenttime;lenderdecidewhichborrowerstolendaccordingtoinformationreleasedbytheborrowes.Inordertoensurebothsides,borrowersideshouldsubmitfundingapplicationsandtheirinformation,suchascollateral,loanamount,purpose,time,creditreports,cashflow,sourceofrepaymenttoP2Ponlinelendingplatforms,thelendersdecidewhethertolendornotbytheborrowersinformationprovidedbytheP2Ponlinelendingplatformoperators.TheDevelopmentofP2POnlineLending.P2PonlinelendingiscreatedbyfourBritishyoungmenwhoareRichard,JamesAlexander,SaraMatthewsandDavidNicholson.InMarch,2005,theyfoundedthefirstP2PonlinelendingplatformZopainLondon.ZopaexpandeditsservicetoItaly,USAandJapan,theaveragedailyonlineinvestmenthasamountedtoabout2000000pounds.ThefirstP2Ponlinelendingplatformwasestablishedin2006,therewerefewinvestosrenteringinonlinelending---本文来源于网络，仅供参考，勿照抄，如有侵权请联系删除---platformtill2010becauseoftherisksbehindtheP2P.In2011,alotofonlinelendingplatformsemergesuchasrenrendai.Therearemorethan400onlinelendingplatformactiveonline,themonthlyloanturnoverthroughthelendingplatformarenearly70billions.AdvantagesofP2POnlineLending.P2Ponlinelendingisanewkindofprivatefinance,itprovidesaplatformwherethelendersandtheborrowerscanmatchintime,thereareseveraladvantagesofP2P.HigherYields.Theyieldofone-yeardepositinterestrateis3%,andfinancialproducts,trustinvestmentarebelow10%,buttheyieldofP2Ponlinelendingcanreachmorethan20%perannum,itsoverallaverageyieldcanreachabout20%accordingtotheChinesenetloanlendinginterestratesoffiveyears.Atpresent,theoverallyieldlevelsareontherisewithnewmarketingcampaignplatform,theinterestratesofP2Ponlinelendingisincreasing.SimpleOperationandLowThreshold.InP2Ponlinelending,thecertification,accounting,clearingandsettlementprocessesarecompletedthroughnetwork,thelendersandborrowerscancompletetheoperationsthroughtheinternetinsteadofgoingtothebanks,andthelendingamountisnot...