本文選題：P2P網(wǎng)絡(luò)借貸　切入點(diǎn)：財(cái)務(wù)風(fēng)險(xiǎn)　出處：《長(zhǎng)安大學(xué)》2017年碩士論文

【摘要】：在互聯(lián)網(wǎng)金融時(shí)代,P2P網(wǎng)絡(luò)借貸是互聯(lián)網(wǎng)金融的重要?jiǎng)?chuàng)新模式,它在緩解民間資本的投資需求、填補(bǔ)中小企業(yè)的融資缺口及完善我國(guó)金融體系方面發(fā)揮了重大的現(xiàn)實(shí)作用。2014年以來(lái),中央政府的工作報(bào)告多次提及要規(guī)范發(fā)展互聯(lián)網(wǎng)金融,由此表明政府開(kāi)始加強(qiáng)對(duì)互聯(lián)網(wǎng)金融的重視,社會(huì)各界對(duì)其關(guān)注度也逐漸增加。隨著互聯(lián)網(wǎng)金融的快速發(fā)展,其中P2P網(wǎng)絡(luò)借貸行業(yè)的發(fā)展勢(shì)頭較猛,平臺(tái)數(shù)量也隨之迅速上升,同時(shí)平臺(tái)的詐騙、跑路和提現(xiàn)困難等事件頻繁發(fā)生。而且目前,P2P網(wǎng)絡(luò)借貸平臺(tái)的從業(yè)者和相關(guān)專(zhuān)家學(xué)者不重視其財(cái)務(wù)風(fēng)險(xiǎn),以及缺乏財(cái)務(wù)風(fēng)險(xiǎn)的預(yù)警、識(shí)別、估計(jì)與控制等理論基礎(chǔ),一定程度上阻礙了P2P網(wǎng)絡(luò)借貸行業(yè)的良性發(fā)展。因此,對(duì)P2P網(wǎng)絡(luò)借貸平臺(tái)的財(cái)務(wù)風(fēng)險(xiǎn)進(jìn)行評(píng)價(jià)及預(yù)警分析是非常必要的。結(jié)合我國(guó)P2P網(wǎng)絡(luò)借貸行業(yè)的特點(diǎn),并參考和借鑒商業(yè)銀行財(cái)務(wù)風(fēng)險(xiǎn)的理論基礎(chǔ),本文首先對(duì)我國(guó)P2P網(wǎng)絡(luò)借貸平臺(tái)面臨的財(cái)務(wù)風(fēng)險(xiǎn)進(jìn)行了詳細(xì)分析;在此基礎(chǔ)上,結(jié)合商業(yè)銀行財(cái)務(wù)風(fēng)險(xiǎn)評(píng)級(jí)指標(biāo)和方法,確定了平臺(tái)的財(cái)務(wù)風(fēng)險(xiǎn)評(píng)價(jià)指標(biāo);其次運(yùn)用主成分分析法結(jié)合改進(jìn)的KLR信號(hào)分析法,建立財(cái)務(wù)風(fēng)險(xiǎn)預(yù)警模型;并選取100個(gè)樣本平臺(tái),搜集評(píng)價(jià)指標(biāo)的原始數(shù)據(jù),運(yùn)用財(cái)務(wù)風(fēng)險(xiǎn)預(yù)警模型對(duì)其進(jìn)行實(shí)證分析。通過(guò)對(duì)樣本平臺(tái)進(jìn)行預(yù)警分析,找出平臺(tái)所處的風(fēng)險(xiǎn)水平,發(fā)現(xiàn)了平臺(tái)存在的風(fēng)險(xiǎn)問(wèn)題。得出的分析結(jié)果大致符合平臺(tái)發(fā)展實(shí)際,說(shuō)明該預(yù)警模型具有一定的合理性,能夠?yàn)橐院笃脚_(tái)財(cái)務(wù)風(fēng)險(xiǎn)的評(píng)價(jià)和預(yù)警分析提供參考,為投資者進(jìn)行投資提供借鑒,并進(jìn)一步為平臺(tái)管理層尋找風(fēng)控重點(diǎn)和監(jiān)管層進(jìn)行監(jiān)管提供思路。最后,針對(duì)P2P網(wǎng)絡(luò)借貸平臺(tái)存在財(cái)務(wù)風(fēng)險(xiǎn)提出相應(yīng)的改進(jìn)建議,為平臺(tái)的穩(wěn)定、健康、持續(xù)發(fā)展獻(xiàn)計(jì)獻(xiàn)策。
[Abstract]:In the era of Internet finance, P2P network lending is an important innovative mode of Internet finance, which is alleviating the investment demand of private capital.Filling the financing gap for small and medium-sized enterprises and improving our financial system have played an important practical role. Since 2014, the central government's work report has repeatedly mentioned the need to standardize the development of Internet finance.This shows that the government has begun to pay more attention to Internet finance, and the attention of all sectors of society has gradually increased.With the rapid development of Internet finance, P2P network lending industry is developing rapidly, and the number of platforms is also rising rapidly.Moreover, at present, practitioners of P2P network lending platforms and relevant experts and scholars do not attach importance to their financial risks, and lack the theoretical basis of early warning, identification, estimation and control of financial risks.To some extent, it hinders the benign development of P2P network lending industry.Therefore, it is necessary to evaluate and analyze the financial risk of P2P network lending platform.Combined with the characteristics of P2P network lending industry in China, and referring to the theoretical basis of financial risk of commercial banks, this paper firstly analyzes the financial risks faced by P2P network lending platform in China in detail.Combined with the index and method of financial risk rating of commercial banks, the financial risk evaluation index of the platform is determined. Secondly, the financial risk early warning model is established by using principal component analysis combined with improved KLR signal analysis, and 100 sample platforms are selected.Collect the raw data of the evaluation index, use the financial risk early warning model to carry on the empirical analysis to it.Through the early warning analysis of the sample platform, the risk level of the platform is found, and the risk problem of the platform is found.And further for the platform management to find risk control focus and regulatory layer to provide ideas for supervision.Finally, the paper puts forward corresponding suggestions to improve the financial risk of P2P network lending platform, which can provide suggestions for the stability, health and sustainable development of the platform.
【學(xué)位授予單位】：長(zhǎng)安大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類(lèi)號(hào)】：F724.6;F832.4

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