【摘要】 P2P网贷平台道德风险近期频频爆发,已严重影响到投资者信心和P2P网贷行业发展。基于舞弊三角理论,从压力、机会和合理化借口三要素出发,分析了P2P网贷平台道德风险成因及P2P网贷平台道德风险的形成机理,提出了通过抑制P2P网贷平台道德风险发生的动机、减少P2P网贷平台道德风险发生的机会和弱化P2P网贷平台道德风险发生的借口来防控P2P网贷平台道德风险的建议,以期对促进我国P2P网贷行业长远健康发展有所助益。更多还原

【Abstract】 The constant exposure of the moral hazard of P2 P lending platform has greatly undermined investor confidence and jeopardized the healthy development of P2 P lending. Based on the fraud triangle theory,analysis of the reasons and mechanism for moral hazard of P2 P lending platform from the perspective of pressures,opportunities and rationalized excuses has been made and some corresponding suggestions that Chinese government can prevent and control the moral hazard of P2 P lending platform by inhibiting its incentives,reducing its opportunities and weakening its excuses have been put forward. This paper aims to promote the long-term healthy development of China’s P2 P network loan industry.更多还原