【摘要】：網(wǎng)絡(luò)借貸平臺(tái)的快速發(fā)展,反映了在我國(guó)沒(méi)有完全實(shí)現(xiàn)市場(chǎng)化金融體制下的一種市場(chǎng)訴求,對(duì)于緩解中小企業(yè)融資難,具有積極意義。但如不盡快加強(qiáng)其風(fēng)險(xiǎn)管理,可能引發(fā)社會(huì)問(wèn)題,稍有不慎,整個(gè)行業(yè)便會(huì)如“多米諾骨牌”般連片倒下。鑒于此,本文對(duì)中國(guó)網(wǎng)絡(luò)借貸平臺(tái)信用管理的基本理論和PD網(wǎng)絡(luò)借貸平臺(tái)信用管理具體實(shí)踐進(jìn)行研究。為我國(guó)網(wǎng)絡(luò)借貸行業(yè)的陽(yáng)光化、正規(guī)化以及社會(huì)信用環(huán)境建設(shè),貢獻(xiàn)一份力量。 本文將以PD網(wǎng)絡(luò)借貸平臺(tái)為研究對(duì)象。首先,介紹選題背景和研究意義、國(guó)內(nèi)外研究現(xiàn)狀,闡述本文的研究?jī)?nèi)容和研究方法,分析本文的創(chuàng)新和不足之處；其次,對(duì)相關(guān)理論進(jìn)行概述,主要包括網(wǎng)絡(luò)借貸的定義與類(lèi)別和信用管理的內(nèi)容與特點(diǎn)；再次,對(duì)本文所研究的PD網(wǎng)絡(luò)借貸平臺(tái)進(jìn)行介紹,包括平臺(tái)簡(jiǎn)介、業(yè)務(wù)流程與模式、信用管理現(xiàn)狀以及信用管理存在問(wèn)題；隨后,以四家在國(guó)際上具有代表性的網(wǎng)絡(luò)借貸平臺(tái)為例,分析了國(guó)外網(wǎng)絡(luò)借貸平臺(tái)信用管理的先進(jìn)經(jīng)驗(yàn),并根據(jù)這些經(jīng)驗(yàn)的啟示與借鑒,幫助解決PD平臺(tái)信用管理問(wèn)題。 最后,從信用管理的征信管理、授信管理、賬戶(hù)控制管理、商賬追收管理、行業(yè)政策五個(gè)方面為PD網(wǎng)絡(luò)借貸平臺(tái)信用管理體系提供可行建議,也為其他網(wǎng)絡(luò)借貸平臺(tái)的信用管理提供一些可借鑒的實(shí)踐經(jīng)驗(yàn)。
[Abstract]:The rapid development of network lending platform reflects a kind of market demand under the market financial system which is not fully realized in our country. It is of positive significance to alleviate the financing difficulties of small and medium-sized enterprises. But if it does not strengthen its risk management as soon as possible, may cause social problems, a little carelessness, the entire industry will be like a "domino" like a series of fall. In view of this, this paper studies the basic theory of credit management of Chinese online lending platform and the concrete practice of credit management of PD network lending platform. It contributes to the sunshine, formalization and the construction of social credit environment in China's network lending industry. This article will take the PD network loan platform as the research object. First of all, it introduces the background and significance of the topic, domestic and foreign research status, describes the content and research methods of this paper, analyzes the innovation and shortcomings of this paper; Secondly, the related theories are summarized, including the definition and category of network lending and the content and characteristics of credit management. Thirdly, this paper introduces the PD network lending platform, including the platform profile, business process and model, credit management status and credit management problems; Then, taking four representative online lending platforms in the world as an example, this paper analyzes the advanced experience of credit management of foreign network lending platforms, and according to the enlightenment and reference of these experiences, it helps to solve the credit management problems of PD platform. Finally, from the credit management of credit management, account control management, business account collection management, industry policy for the PD network lending platform credit management system to provide feasible advice. It also provides some practical experience for the credit management of other network lending platforms.
【學(xué)位授予單位】：廣西大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F832.39

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