本文關(guān)鍵詞：宜信公司P2P借貸平臺(tái)的風(fēng)險(xiǎn)管理問題研究　出處：《吉林財(cái)經(jīng)大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

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【摘要】：網(wǎng)絡(luò)借貸是一項(xiàng)主要由互聯(lián)網(wǎng)第三方平臺(tái)實(shí)現(xiàn)資金交易和資金流通的非傳統(tǒng)金融行業(yè)。中國(guó)銀監(jiān)會(huì)通常將其稱之為“人人貸”,早期尤努斯教授在孟加拉國(guó)創(chuàng)辦了一個(gè)適用于鄉(xiāng)村民間范圍內(nèi)實(shí)現(xiàn)資金借貸的“鄉(xiāng)村銀行”,一時(shí)間為草根階級(jí)實(shí)現(xiàn)資金借貸提供了重要的渠道和交易方式,這樣的理念為國(guó)內(nèi)P2P網(wǎng)絡(luò)借貸順勢(shì)而生提供了重要的理論基礎(chǔ)�，F(xiàn)階段中國(guó)國(guó)內(nèi)的網(wǎng)絡(luò)借貸行業(yè)正處于飛速發(fā)展的時(shí)期,P2P網(wǎng)絡(luò)借貸本身具有相對(duì)獨(dú)立的特征,它與傳統(tǒng)的金融機(jī)構(gòu)沒有直接的掛鉤,這會(huì)在很大程度上滿足一些微型企業(yè)以及小型企業(yè)的資金融通的各類需求,尤其是微小型企業(yè)融資成本過高的問題就可以通過網(wǎng)絡(luò)借貸平臺(tái)得到很好的解決。除此之外,網(wǎng)絡(luò)借貸平臺(tái)還具備傳統(tǒng)的銀行信貸所不具備的另一個(gè)優(yōu)勢(shì),即幫助投資人實(shí)現(xiàn)精準(zhǔn)的資金投資并獲取更大的投資效益。網(wǎng)絡(luò)借貸正是由于其自身所具備的兩大優(yōu)勢(shì)深受廣大民間創(chuàng)業(yè)者和投資者的喜愛并不斷發(fā)展壯大。隨著網(wǎng)絡(luò)借貸的極速成長(zhǎng),一些實(shí)質(zhì)性問題也隨之暴露出來,由于國(guó)內(nèi)目前對(duì)網(wǎng)絡(luò)借貸平臺(tái)并未出臺(tái)相關(guān)的法律法規(guī),同時(shí)社會(huì)信用體系本身存在著諸多問題,這對(duì)網(wǎng)絡(luò)借貸信用體系和風(fēng)險(xiǎn)控制等方面造成了極其不利的影響。本文通過對(duì)宜信公司的基本情況、運(yùn)營(yíng)模式、征信平臺(tái)、風(fēng)險(xiǎn)管理等進(jìn)行深入剖析,在此基礎(chǔ)上發(fā)現(xiàn)宜信公司風(fēng)險(xiǎn)管理中存在個(gè)人征信信息獲取及評(píng)定能力不足、操作風(fēng)險(xiǎn)、債權(quán)轉(zhuǎn)讓模式風(fēng)險(xiǎn)、法律監(jiān)管的缺失風(fēng)險(xiǎn)并分析產(chǎn)生風(fēng)險(xiǎn)管理問題的根源。然后對(duì)比國(guó)外的成熟的P2P信貸平臺(tái)的發(fā)展現(xiàn)狀,尋找出適合宜信公司在風(fēng)險(xiǎn)管理方面可以參考使用的解決辦法,為宜信公司風(fēng)險(xiǎn)控制和管理提供切實(shí)可行的方案。
[Abstract]:Online lending is a non-traditional financial industry in which money transactions and capital flows are mainly carried out by Internet third-party platforms. The CBRC usually calls it "peer-to-peer lending". Professor Yunus founded a "village bank" in Bangladesh, which was suitable for the rural folk to borrow money. It provided an important channel and transaction way for the grassroots to borrow and borrow money at one time. This concept provides an important theoretical basis for domestic P2P network lending. At this stage, China's domestic network lending industry is in a period of rapid development. P2P network lending itself has relatively independent characteristics, it is not directly linked to traditional financial institutions, which to a large extent will meet the needs of some microenterprises and small enterprises to finance various types of. In particular, the problem of high financing costs of small enterprises can be solved through the network lending platform. In addition, the network lending platform also has another advantage that the traditional bank credit does not have. That is to help investors to achieve accurate capital investment and achieve greater investment benefits. Online lending is precisely because of its own two major advantages are popular with the majority of private entrepreneurs and investors and continue to grow. With the rapid growth of online lending. Some substantive problems are also exposed, because the domestic network lending platform has not issued relevant laws and regulations, at the same time, there are many problems in the social credit system itself. This has caused extremely adverse impact on network credit system and risk control. This paper analyzes the basic situation, operation mode, credit information platform, risk management and so on. On this basis, it is found that the risk management of Yi Xin company is lack of personal credit information acquisition and evaluation ability, operational risk, credit transfer mode risk. The lack of risk of legal supervision and analysis of the root causes of risk management problems. Then the development of mature P2P credit platform than foreign status quo. To find out the solution suitable for the risk management of Yi Xin company, and provide the feasible scheme for the risk control and management of the company.
【學(xué)位授予單位】：吉林財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F724.6;F832.4

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