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

【摘要】：互聯(lián)網(wǎng)技術(shù)發(fā)展,推動(dòng)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(wù)興起并蓬勃發(fā)展。P2P網(wǎng)絡(luò)貸款是"peer to peer lending"的縮寫,我國(guó)相關(guān)部門稱之為“人人貸”。P2P網(wǎng)絡(luò)貸款自2006年在我國(guó)產(chǎn)生以來(lái),得到迅速發(fā)展,平臺(tái)數(shù)量不斷增加,成交額也不斷增長(zhǎng),根據(jù)網(wǎng)貸之家相關(guān)數(shù)據(jù),截至2014年12月,我國(guó)平臺(tái)數(shù)量已達(dá)1575家,行業(yè)累計(jì)成交量超3829億元,行業(yè)規(guī)模不斷擴(kuò)大。而伴隨平臺(tái)數(shù)量不斷增加和成交額不斷增長(zhǎng),問(wèn)題也不斷出現(xiàn),近幾年,平臺(tái)“跑路”和借款人違約狀況不斷出現(xiàn)。在我國(guó)正規(guī)金融機(jī)構(gòu)一直未能有效解決中小微企業(yè)及個(gè)人融資問(wèn)題背景下,作為民間金融機(jī)構(gòu)的替代,P2P網(wǎng)絡(luò)貸款自成立以來(lái)便在我國(guó)取得了蓬勃發(fā)展。P2P網(wǎng)絡(luò)貸款平臺(tái)借助互聯(lián)網(wǎng)和采用一定的風(fēng)險(xiǎn)管理技術(shù)部分降低了信息不對(duì)稱帶來(lái)的道德問(wèn)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(tái)參與者交易帶來(lái)了便利：借款人以更低的利率獲得融資,而且融資時(shí)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(bào),雙方都從交易中受益。作為一個(gè)新興行業(yè),平臺(tái)的發(fā)展與風(fēng)險(xiǎn)管理水平緊密聯(lián)系,出現(xiàn)風(fēng)險(xiǎn)平臺(tái)數(shù)量的不斷增加使P2P網(wǎng)絡(luò)貸款參與者認(rèn)識(shí)到風(fēng)險(xiǎn)管理重要性。本文主要論述在現(xiàn)階段行業(yè)風(fēng)險(xiǎn)不斷增加形勢(shì)下,如何以全面風(fēng)險(xiǎn)管理理論為指導(dǎo)構(gòu)建P2P網(wǎng)絡(luò)貸款行業(yè)全面風(fēng)險(xiǎn)管理體系。本文首先從文獻(xiàn)分析入手,在對(duì)已有的研究成果進(jìn)行梳理分析基礎(chǔ)上,將信息不對(duì)稱理論、互聯(lián)網(wǎng)金融理論與全而風(fēng)險(xiǎn)管理理論相結(jié)合作為本文分析的理論基礎(chǔ)。其次,從國(guó)內(nèi)外不同平臺(tái)運(yùn)營(yíng)模式切入,國(guó)外和國(guó)內(nèi)分別以Lending Club和宜信為例,對(duì)國(guó)內(nèi)外P2P網(wǎng)絡(luò)貸款平臺(tái)運(yùn)作模式、風(fēng)險(xiǎn)管理方式進(jìn)行比較分析,通過(guò)借鑒傳統(tǒng)商業(yè)銀行這一我國(guó)最重要金融機(jī)構(gòu)所面臨風(fēng)險(xiǎn),分析我囤P2P網(wǎng)絡(luò)貸款平臺(tái)面臨風(fēng)險(xiǎn)及風(fēng)險(xiǎn)管理存在問(wèn)題,通過(guò)對(duì)平臺(tái)面臨風(fēng)險(xiǎn)的分析和描述,得出需構(gòu)建全面風(fēng)險(xiǎn)管理體系以提高平臺(tái)風(fēng)險(xiǎn)管理水平進(jìn)而應(yīng)對(duì)發(fā)展過(guò)程中面臨的各類風(fēng)險(xiǎn)結(jié)論,在此基礎(chǔ)上提出建立全面風(fēng)險(xiǎn)管理體系五個(gè)原則,并對(duì)平臺(tái)全面風(fēng)險(xiǎn)管理體系進(jìn)行構(gòu)建,在論述行業(yè)全面風(fēng)險(xiǎn)管理體系構(gòu)建的八個(gè)要素時(shí),適當(dāng)結(jié)合宜信公司進(jìn)行分析,強(qiáng)調(diào)在風(fēng)險(xiǎn)管理過(guò)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(huì)受到更多外部監(jiān)管影響,因此本文在分析其全面風(fēng)險(xiǎn)管理內(nèi)部環(huán)境的同時(shí),適當(dāng)關(guān)注外部環(huán)境中和外部監(jiān)管和市場(chǎng)約束對(duì)于P2P網(wǎng)絡(luò)貸款平臺(tái)全面風(fēng)險(xiǎn)管理所帶來(lái)的影響,并認(rèn)為全面風(fēng)險(xiǎn)管理要落到實(shí)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(chǎng)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(xué)位授予單位】：山東大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：F724.6;F832.4

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 趙家敏,陳慶輝,彭崗;全面風(fēng)險(xiǎn)管理模型設(shè)計(jì)與評(píng)價(jià):基于RAROC的分析[J];國(guó)際金融研究;2005年03期

2 楊婕;;互聯(lián)網(wǎng)金融背景下P2P網(wǎng)絡(luò)借貸平臺(tái)的風(fēng)險(xiǎn)管理研究[J];東方企業(yè)文化;2013年19期

3 王達(dá);;美國(guó)互聯(lián)網(wǎng)金融的發(fā)展及中美互聯(lián)網(wǎng)金融的比較——基于網(wǎng)絡(luò)經(jīng)濟(jì)學(xué)視角的研究與思考[J];國(guó)際金融研究;2014年12期

4 黃葉傝;齊曉雯;;網(wǎng)絡(luò)借貸中的風(fēng)險(xiǎn)控制[J];金融理論與實(shí)踐;2012年04期

5 唐國(guó)儲(chǔ),李選舉;新巴塞爾協(xié)議的風(fēng)險(xiǎn)新理念與我國(guó)國(guó)有商業(yè)銀行全面風(fēng)險(xiǎn)管理體系的構(gòu)建[J];金融研究;2003年01期

6 馬崇明,唐國(guó)儲(chǔ);論構(gòu)建我國(guó)商業(yè)銀行全面風(fēng)險(xiǎn)管理體系[J];新金融;2003年09期

7 何曉玲;王玫;;P2P網(wǎng)絡(luò)借貸現(xiàn)狀及風(fēng)險(xiǎn)防范[J];中國(guó)商貿(mào);2013年20期

8 傅曉鋒;;P2P網(wǎng)貸平臺(tái)的現(xiàn)狀及其風(fēng)險(xiǎn)[J];中國(guó)商貿(mào);2013年32期

9 高漢;;互聯(lián)網(wǎng)金融的發(fā)展及其法制監(jiān)管[J];中州學(xué)刊;2014年02期

10 于秀;;給P2P網(wǎng)貸上個(gè)安全閥[J];理財(cái);2013年01期

，

本文編號(hào)：1762902