本文關(guān)鍵詞：基于AHP層次分析法的我國(guó)P2P網(wǎng)絡(luò)借貸風(fēng)險(xiǎn)研究　出處：《西安外國(guó)語(yǔ)大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： P2P網(wǎng)絡(luò)借貸 層次分析法 信用風(fēng)險(xiǎn) 風(fēng)險(xiǎn)監(jiān)管

【摘要】：P2P網(wǎng)絡(luò)借貸起源于2005年,在2005年到現(xiàn)階段經(jīng)歷了快速發(fā)展的過(guò)程。網(wǎng)貸之家提供的數(shù)據(jù)顯示,平臺(tái)在2016年整個(gè)年度的交易規(guī)模為3482.7億元人民幣,同比增長(zhǎng)約40.9%。借款方和貸款方可以通過(guò)P2P網(wǎng)絡(luò)借貸平臺(tái)進(jìn)行更加直接的資金融通,這與以往傳統(tǒng)的金融機(jī)構(gòu)模式完全不一樣,P2P網(wǎng)絡(luò)借貸可以彌補(bǔ)傳統(tǒng)金融結(jié)構(gòu)的部分局限性,尤其是對(duì)小額信貸的有效補(bǔ)充,資金的利用率也得到了一定的提高,同時(shí)也是對(duì)國(guó)家一直所倡導(dǎo)的普惠金融的有力推動(dòng)。P2P網(wǎng)絡(luò)借貸平臺(tái)快速發(fā)展的同時(shí)也存在很多問(wèn)題,不正規(guī)的網(wǎng)絡(luò)借貸平臺(tái)也層出不窮,由于平臺(tái)經(jīng)營(yíng)不善而出現(xiàn)的平臺(tái)跑路以及倒閉事件受到了社會(huì)各界的廣泛關(guān)注,P2P網(wǎng)絡(luò)借貸平臺(tái)所存在的風(fēng)險(xiǎn)不可小覷,為了促進(jìn)我國(guó)P2P網(wǎng)絡(luò)借貸的良性發(fā)展,充分發(fā)揮其對(duì)傳統(tǒng)金融的補(bǔ)充作用和對(duì)社會(huì)的有利影響,則要加強(qiáng)對(duì)P2P網(wǎng)絡(luò)借貸平臺(tái)風(fēng)險(xiǎn)的研究與識(shí)別。識(shí)別P2P網(wǎng)絡(luò)借貸風(fēng)險(xiǎn),對(duì)其進(jìn)行風(fēng)險(xiǎn)監(jiān)管是促進(jìn)P2P網(wǎng)絡(luò)借貸有序發(fā)展的基礎(chǔ)。本文通過(guò)對(duì)P2P網(wǎng)絡(luò)借貸發(fā)展歷程進(jìn)行研究,明確P2P網(wǎng)絡(luò)借貸的內(nèi)涵與流程,發(fā)掘網(wǎng)絡(luò)借貸所存在的風(fēng)險(xiǎn)問(wèn)題,筆者主要分析了網(wǎng)絡(luò)借貸平臺(tái)的6大風(fēng)險(xiǎn):法律風(fēng)險(xiǎn)、操作風(fēng)險(xiǎn)、信用風(fēng)險(xiǎn)、流動(dòng)性封信、聲譽(yù)風(fēng)險(xiǎn)以及網(wǎng)絡(luò)風(fēng)險(xiǎn)。并通過(guò)AHP層析分析法來(lái)識(shí)別各類風(fēng)險(xiǎn)的權(quán)重,甄別不同風(fēng)險(xiǎn)對(duì)網(wǎng)絡(luò)借貸平臺(tái)總體風(fēng)險(xiǎn)的貢獻(xiàn)程度,基于此提出相應(yīng)的風(fēng)險(xiǎn)防控措施。
[Abstract]:The origin of P2P network lending in 2005, in 2005 to the present stage has experienced rapid development process. The net loan home provides data show that in 2016 the scale of the whole year trading platform for 348 billion 270 million yuan, an increase of about 40.9%. of borrowers and lenders can finance more directly through the P2P network lending platform. This and the traditional financial institutions model is completely different, P2P network lending can make up for some limitations of the traditional financial structure, especially the effective supplement of microfinance, capital utilization is improved at the same time, but also for the country has been advocated inclusive finance a strong impetus to the rapid development of.P2P network lending the platform also has a lot of problems, informal network lending platform also due to poor management platform and emerge in an endless stream, the platform collapse event and run away from To the attention of the community, the existing P2P network lending platform risk should not be overlooked, in order to promote the healthy development of China's P2P lending network, give full play to its role as a complement to the traditional financial and beneficial influence to the society, to strengthen the research and recognition of the P2P network lending platform risk identification. P2P network lending risk, risk supervision on the basis of P2P is to promote the orderly development of network lending. Based on the research of P2P lending network development process, clear and process connotation of P2P network lending, risk problems explore the lending network, the author analyzes the 6 major risk network lending platform: legal risk, operational risk, credit risk, liquidity letter, reputational risk and network risk. And through the AHP chromatography to identify the weight of various types of risk, risk to identify different network lending platform overall The degree of risk contribution is based on the corresponding risk prevention and control measures.

【學(xué)位授予單位】：西安外國(guó)語(yǔ)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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