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

【摘要】：隨著互聯(lián)網(wǎng)金融被列入“十三五”規(guī)劃,網(wǎng)絡(luò)借貸進入飛速發(fā)展階段。由于我國在P2P網(wǎng)絡(luò)借貸方面的法律法規(guī)監(jiān)管較少,加上信用評級體系不完善,P2網(wǎng)絡(luò)借貸平臺的發(fā)展比較混亂,出現(xiàn)龐氏騙局、非法集資、洗錢等等風險,而眾多平臺的攜款跑路事件使得P2P網(wǎng)借行業(yè)陷入嚴重的危機中。在目前國家立法監(jiān)管等法律環(huán)境不斷變化、行業(yè)整改及平臺洗牌的特定環(huán)境下,P2P借貸平臺做好風險管理工作才能賴以生存和發(fā)展。本文的研究重點是普惠家P2P借貸平臺的信用風險管理,根據(jù)P2P網(wǎng)絡(luò)借貸產(chǎn)生的背景和當前行業(yè)出現(xiàn)的問題,分析國內(nèi)外的研究成果,運用信息不對稱理論和風險管理理論,選取了響應(yīng)政策法規(guī)迅速做出合規(guī)行動的P2P平臺普惠家為研究對象,通過介紹普惠家的成立發(fā)展歷程、相應(yīng)的運營機制、風險的應(yīng)對模式和監(jiān)管模式等,分析平臺面臨的各類風險,得出普惠家須進行全面信用風險管理的結(jié)論,并對P2P借貸平臺風險管理提出相應(yīng)的對策和建議。
[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.
【學位授予單位】：青島大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.4;F724.6

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