本文選題：P2P網(wǎng)絡(luò)借貸平臺(tái)　切入點(diǎn)：互聯(lián)網(wǎng)金融　出處：《青島大學(xué)》2017年碩士論文　論文類(lèi)型：學(xué)位論文

【摘要】：隨著互聯(lián)網(wǎng)金融被列入“十三五”規(guī)劃,網(wǎng)絡(luò)借貸進(jìn)入飛速發(fā)展階段。由于我國(guó)在P2P網(wǎng)絡(luò)借貸方面的法律法規(guī)監(jiān)管較少,加上信用評(píng)級(jí)體系不完善,P2網(wǎng)絡(luò)借貸平臺(tái)的發(fā)展比較混亂,出現(xiàn)龐氏騙局、非法集資、洗錢(qián)等等風(fēng)險(xiǎn),而眾多平臺(tái)的攜款跑路事件使得P2P網(wǎng)借行業(yè)陷入嚴(yán)重的危機(jī)中。在目前國(guó)家立法監(jiān)管等法律環(huán)境不斷變化、行業(yè)整改及平臺(tái)洗牌的特定環(huán)境下,P2P借貸平臺(tái)做好風(fēng)險(xiǎn)管理工作才能賴(lài)以生存和發(fā)展。本文的研究重點(diǎn)是普惠家P2P借貸平臺(tái)的信用風(fēng)險(xiǎn)管理,根據(jù)P2P網(wǎng)絡(luò)借貸產(chǎn)生的背景和當(dāng)前行業(yè)出現(xiàn)的問(wèn)題,分析國(guó)內(nèi)外的研究成果,運(yùn)用信息不對(duì)稱(chēng)理論和風(fēng)險(xiǎn)管理理論,選取了響應(yīng)政策法規(guī)迅速做出合規(guī)行動(dòng)的P2P平臺(tái)普惠家為研究對(duì)象,通過(guò)介紹普惠家的成立發(fā)展歷程、相應(yīng)的運(yùn)營(yíng)機(jī)制、風(fēng)險(xiǎn)的應(yīng)對(duì)模式和監(jiān)管模式等,分析平臺(tái)面臨的各類(lèi)風(fēng)險(xiǎn),得出普惠家須進(jìn)行全面信用風(fēng)險(xiǎn)管理的結(jié)論,并對(duì)P2P借貸平臺(tái)風(fēng)險(xiǎn)管理提出相應(yīng)的對(duì)策和建議。
[Abstract]:With Internet finance being included in the 13th Five-Year Plan, online lending has entered a stage of rapid development. Since our country has fewer laws and regulations in the area of P2P network lending, Coupled with the fact that the credit rating system is not perfect and the development of the P2 network lending platform is relatively chaotic, there are risks such as Ponzi schemes, illegal fund-raising, money laundering, and so on. However, the incident of carrying money from many platforms has caused the P2P network lending industry to be plunged into a serious crisis. At present, the legal environment such as national legislation and supervision is constantly changing. In the specific environment of industry rectification and platform reshuffle, the risk management work of P2P lending platform can only survive and develop. The research emphasis of this paper is the credit risk management of Phuijia P2P lending platform. According to the background of P2P network lending and the problems existing in the current industry, this paper analyzes the domestic and foreign research results, and applies information asymmetry theory and risk management theory. By introducing the development course of Phuijia's establishment, the corresponding operation mechanism, the risk coping model and the supervision mode, etc., the P2P platform of Phuijia, which responds to the policy and regulations, is chosen as the research object. Based on the analysis of all kinds of risks faced by the platform, this paper draws the conclusion that Phuijia should carry out the overall credit risk management, and puts forward the corresponding countermeasures and suggestions for the risk management of P2P lending platform.
【學(xué)位授予單位】：青島大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類(lèi)號(hào)】：F832.4;F724.6

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