發(fā)布時間：2018-04-30 08:34

  本文選題：P2P網(wǎng)絡(luò)借貸 + 內(nèi)部控制　； 參考：《遼寧大學(xué)》2017年碩士論文

【摘要】：P2P網(wǎng)絡(luò)借貸,是指依托于網(wǎng)絡(luò)產(chǎn)生的借貸形式。這種互聯(lián)網(wǎng)與金融相結(jié)合的經(jīng)營模式,近年來深受小額貸款公司的青睞,大有蓬勃發(fā)展的趨勢。網(wǎng)絡(luò)的全民普及也使這種貸款方式愈來愈被大眾熟知,吸引了眾多潛在客戶的關(guān)注。然而層出不窮的問題平臺卻使理智的投資者對此望而卻步,深怕一招走錯滿盤皆輸。單單2017年1月就存在64家平臺出現(xiàn)各類問題,問題平臺發(fā)生率正持續(xù)走高。對于P2P行業(yè)而言,當(dāng)前首要工作是找出行業(yè)弊端,規(guī)范行業(yè)經(jīng)營。整體是由無數(shù)個個體所組成,要想根治整體的病癥,就需要從個體入手。e速貸,一家運(yùn)營了六年的老牌網(wǎng)貸平臺,于2016年5月20日突然受到刑偵介入,并陸續(xù)被警方曝出私設(shè)資金池、發(fā)布虛假標(biāo)等違法行為。一夜之間,震驚了整個P2P網(wǎng)貸行業(yè)。筆者選取該公司進(jìn)行研究,主要從以下幾方面來分析:在緒論中闡述本文的研究背景,指出該選題的意義。再從國內(nèi)外兩方面對文獻(xiàn)情況進(jìn)行總結(jié)整理,并展示本文的研究框架和邏輯思路。在第一章中,說明P2P行業(yè)相關(guān)概念,闡述對e速貸公司進(jìn)行研究時依據(jù)的內(nèi)部控制相關(guān)理論。第二章中對e速貸事件進(jìn)行分析。研究e速貸公司的基本情況,探討其商業(yè)模式和組織架構(gòu)等基本特征。并運(yùn)用層次分析法和模糊綜合評價法對該公司的內(nèi)部控制進(jìn)行量化評分。根據(jù)實證結(jié)果在第三章中分別評價e速貸公司的內(nèi)控五要素,分析各環(huán)節(jié)中問題產(chǎn)生的原因。在文章的第四部分針對內(nèi)部控制的不足之處指出解決的建議。在結(jié)束語這一部分里對全文進(jìn)行總述,根據(jù)本文的局限之處提出有待探究的問題。筆者旨在通過對e速貸平臺的研究,為在內(nèi)控方面存在同樣問題的平臺敲響警鐘。若不想重蹈e速貸的覆轍,就要及時整改缺陷,進(jìn)一步完善公司的內(nèi)部控制體系。
[Abstract]:P2P network lending, refers to the form of lending based on the network. The combination of Internet and finance has been favored by microfinance companies in recent years. The popularity of the network also makes the loan more and more familiar to the public, attracting the attention of many potential customers. Yet an endless list of problem platforms has deterred rational investors from losing everything wrong. In January 2017 alone, 64 platforms had problems of all kinds, and the incidence of problem platforms was continuing to rise. For P2P industry, the most important task is to find out the industry malpractice and standardize the industry management. The whole is made up of countless individuals. If you want to cure the whole disease, you need to start with the individual. E quick loan, an old online loan platform that has been operating for six years, was suddenly involved in criminal investigation on May 20, 2016. And has been exposed by the police private funds pool, published false marks and other illegal acts. Overnight, shocked the entire P2P network lending industry. The author chooses the company to carry on the research, mainly from the following several aspects to analyze: in the introduction elaborated this article research background, pointed out this topic significance. Then summarize the literature from both domestic and foreign, and show the research framework and logical thinking. In the first chapter, the related concepts of P2P industry are explained, and the related theory of internal control is expounded. In the second chapter, the e-fast loan event is analyzed. This paper studies the basic situation of e-fast loan company and discusses its business model and organization structure and so on. AHP and fuzzy comprehensive evaluation are used to evaluate the internal control of the company. According to the empirical results in the third chapter respectively evaluate the five elements of internal control of e-fast credit companies and analyze the causes of the problems in each link. In the fourth part of the article, the author points out the solutions to the deficiencies of internal control. In the concluding part of this part of the full text, according to the limitations of this paper put forward questions to be explored. The purpose of this paper is to sound the alarm for the platform which has the same problem in internal control through the research of e-speed-loan platform. If we don't want to repeat the mistakes of e-loan, we should correct the defects in time and further improve the internal control system of the company.
【學(xué)位授予單位】：遼寧大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F724.6;F832.4

【參考文獻(xiàn)】

相關(guān)期刊論文 前7條

1 黃震;鄧建鵬;熊明;任一奇;喬宇涵;;英美P2P監(jiān)管體系比較與我國P2P監(jiān)管思路研究[J];金融監(jiān)管研究;2014年10期

2 沈良輝;陳瑩;;美國P2P網(wǎng)貸信用風(fēng)險管理經(jīng)驗及對我國的啟示[J];征信;2014年06期

3 潘莊晨;邢博;;我國P2P網(wǎng)絡(luò)借貸模式的發(fā)展現(xiàn)狀及風(fēng)險揭示研究[J];未來與發(fā)展;2014年06期

4 陳賢佳;李世麟;;我國P2P網(wǎng)絡(luò)借貸平臺的洗錢風(fēng)險亟需關(guān)注[J];金融會計;2013年06期

5 王振;;P2P網(wǎng)絡(luò)借貸模式洗錢風(fēng)險及應(yīng)對措施探析[J];南方金融;2012年11期

6 齊日光;于立志;高永泉;;網(wǎng)絡(luò)信貸平臺監(jiān)管缺失應(yīng)予關(guān)注[J];吉林金融研究;2010年10期

7 王艷;陳小輝;邢增藝;;網(wǎng)絡(luò)借貸中的監(jiān)管空白及完善[J];當(dāng)代經(jīng)濟(jì);2009年24期

相關(guān)會議論文 前1條

1 丁婕;古永紅;陳冬宇;;交易信任、心理感知與出借意愿——P2P在線借貸平臺的出借意愿影響因素分析[A];第五屆（2010）中國管理學(xué)年會——信息管理分會場論文集[C];2010年

相關(guān)博士學(xué)位論文 前1條

1 雒春雨;P2P網(wǎng)絡(luò)借貸中的投資決策模型研究[D];大連理工大學(xué);2012年

相關(guān)碩士學(xué)位論文 前3條

1 陳莉;P2P網(wǎng)絡(luò)借貸平臺的中介職能分析[D];湖南大學(xué);2013年

2 高佳敏;P2P網(wǎng)絡(luò)借貸模式研究[D];西南財經(jīng)大學(xué);2013年

3 胡宏輝;影響P2P借貸成功率的借款人信息要素研究[D];復(fù)旦大學(xué);2010年

，

本文編號：1823840