本文選題：P2P網(wǎng)絡貸款 + Lending��； 參考：《山東大學》2015年碩士論文

【摘要】：互聯(lián)網(wǎng)技術(shù)發(fā)展,推動金融業(yè)與互聯(lián)網(wǎng)交叉融合,依托于互聯(lián)網(wǎng)技術(shù)的金融服務興起并蓬勃發(fā)展。P2P網(wǎng)絡貸款是"peer to peer lending"的縮寫,我國相關(guān)部門稱之為“人人貸”。P2P網(wǎng)絡貸款自2006年在我國產(chǎn)生以來,得到迅速發(fā)展,平臺數(shù)量不斷增加,成交額也不斷增長,根據(jù)網(wǎng)貸之家相關(guān)數(shù)據(jù),截至2014年12月,我國平臺數(shù)量已達1575家,行業(yè)累計成交量超3829億元,行業(yè)規(guī)模不斷擴大。而伴隨平臺數(shù)量不斷增加和成交額不斷增長,問題也不斷出現(xiàn),近幾年,平臺“跑路”和借款人違約狀況不斷出現(xiàn)。在我國正規(guī)金融機構(gòu)一直未能有效解決中小微企業(yè)及個人融資問題背景下,作為民間金融機構(gòu)的替代,P2P網(wǎng)絡貸款自成立以來便在我國取得了蓬勃發(fā)展。P2P網(wǎng)絡貸款平臺借助互聯(lián)網(wǎng)和采用一定的風險管理技術(shù)部分降低了信息不對稱帶來的道德問題和逆向選擇的弊端和交易成本,將貸款人和借款人有效的聯(lián)結(jié)在一起,為平臺參與者交易帶來了便利：借款人以更低的利率獲得融資,而且融資時間大大縮短,投資人可以獲得相較于銀行存款更高的投資回報,雙方都從交易中受益。作為一個新興行業(yè),平臺的發(fā)展與風險管理水平緊密聯(lián)系,出現(xiàn)風險平臺數(shù)量的不斷增加使P2P網(wǎng)絡貸款參與者認識到風險管理重要性。本文主要論述在現(xiàn)階段行業(yè)風險不斷增加形勢下,如何以全面風險管理理論為指導構(gòu)建P2P網(wǎng)絡貸款行業(yè)全面風險管理體系。本文首先從文獻分析入手,在對已有的研究成果進行梳理分析基礎上,將信息不對稱理論、互聯(lián)網(wǎng)金融理論與全而風險管理理論相結(jié)合作為本文分析的理論基礎。其次,從國內(nèi)外不同平臺運營模式切入,國外和國內(nèi)分別以Lending Club和宜信為例,對國內(nèi)外P2P網(wǎng)絡貸款平臺運作模式、風險管理方式進行比較分析,通過借鑒傳統(tǒng)商業(yè)銀行這一我國最重要金融機構(gòu)所面臨風險,分析我囤P2P網(wǎng)絡貸款平臺面臨風險及風險管理存在問題,通過對平臺面臨風險的分析和描述,得出需構(gòu)建全面風險管理體系以提高平臺風險管理水平進而應對發(fā)展過程中面臨的各類風險結(jié)論,在此基礎上提出建立全面風險管理體系五個原則,并對平臺全面風險管理體系進行構(gòu)建,在論述行業(yè)全面風險管理體系構(gòu)建的八個要素時,適當結(jié)合宜信公司進行分析,強調(diào)在風險管理過程中關(guān)注“人”的作用。隨著行業(yè)不斷發(fā)展,該行業(yè)將會受到更多外部監(jiān)管影響,因此本文在分析其全面風險管理內(nèi)部環(huán)境的同時,適當關(guān)注外部環(huán)境中和外部監(jiān)管和市場約束對于P2P網(wǎng)絡貸款平臺全面風險管理所帶來的影響,并認為全面風險管理要落到實處,須既關(guān)注內(nèi)部環(huán)境又須關(guān)注外部監(jiān)管和市場約束。
[Abstract]:With the development of Internet technology, financial services based on Internet technology rise and flourish. P2P network loan is the abbreviation of "peer to peer lending".The relevant department of our country calls "peer-to-peer lending". P2P network loan has developed rapidly since 2006 in our country, the number of platforms has been increasing, and the turnover is also increasing. According to the relevant data of Internet loan House, as of December 2014,Our country platform quantity has reached 1575, the industry accumulative turnover exceeds 382.9 billion Yuan, the industry scale expands unceasingly.Along with the increasing number of platforms and the increasing turnover, the problems also appear. In recent years, the platform "running" and borrowers' default situation appear constantly.Under the background that formal financial institutions in China have not been able to effectively solve the financing problems of small and medium-sized enterprises and individuals,As a substitute for private financial institutions, P2P network loan has developed vigorously in our country since its establishment. P2P network loan platform has reduced the channel brought about by information asymmetry through the help of Internet and certain risk management technology.Moral problems and the drawbacks of adverse selection and transaction costs,Effectively linking lenders to borrowers facilitates transactions among platform participants: borrowers have access to finance at lower interest rates, and the duration of financing has been significantly reduced.Investors can earn a higher return on investment than bank deposits, and both sides benefit from the deal.As a new industry, the development of the platform is closely related to the level of risk management. The increasing number of risk platforms makes P2P network loan participants realize the importance of risk management.This paper mainly discusses how to construct a comprehensive risk management system of P2P network loan industry under the guidance of the theory of comprehensive risk management under the situation of increasing industry risk at the present stage.This paper begins with the literature analysis, on the basis of combing and analyzing the existing research results, combines the information asymmetry theory, the Internet finance theory and the full-scale risk management theory as the theoretical basis of this paper.Secondly, from different operating modes at home and abroad, taking Lending Club and Yixin as examples, the paper compares the operation mode and risk management mode of P2P network loan platform at home and abroad.By drawing lessons from the risks faced by traditional commercial banks, which are the most important financial institutions in China, this paper analyzes the risks faced by our P2P network loan platform and the existing problems in risk management, and analyzes and describes the risks faced by the platform.Draw the conclusion that it is necessary to construct a comprehensive risk management system in order to improve the level of risk management of the platform and then deal with all kinds of risks in the process of development. On the basis of this, five principles of establishing a comprehensive risk management system are put forward.And the overall risk management system of the platform is constructed. When discussing the eight elements of the construction of the overall risk management system in the industry, the author analyzes the system with the appropriate combination of Yi Xin Company, and emphasizes the role of "people" in the process of risk management.With the continuous development of the industry, the industry will be affected by more external supervision, so this paper analyzes its overall risk management internal environment at the same time,Paying due attention to the impact of external environmental and external regulation and market constraints on the overall risk management of P2P network loan platforms, and considering that the overall risk management should be implemented,Attention should be paid to both the internal environment and external regulation and market constraints.
【學位授予單位】：山東大學
【學位級別】：碩士
【學位授予年份】：2015
【分類號】：F724.6;F832.4

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