本文選題：P2P網(wǎng)貸平臺(tái) + 民營(yíng)系　； 參考：《安徽工業(yè)大學(xué)》2017年碩士論文

【摘要】：P2P網(wǎng)絡(luò)借貸是資金供需雙方以互聯(lián)網(wǎng)作為信息渠道實(shí)現(xiàn)資金融通的金融服務(wù)中介,是出資人通過(guò)第三方網(wǎng)絡(luò)平臺(tái)將資金貸給有借款需求一方的網(wǎng)絡(luò)借貸模式。P2P網(wǎng)絡(luò)借貸的出現(xiàn)為我國(guó)中小企業(yè)融資難的困境提供了全新的解決途徑,促進(jìn)了社會(huì)資本更加公平、合理的分配,是我國(guó)傳統(tǒng)金融體系的有益補(bǔ)充。自從2007年P(guān)2P網(wǎng)貸平臺(tái)進(jìn)入國(guó)內(nèi),短短幾年時(shí)間,我國(guó)P2P網(wǎng)貸平臺(tái)數(shù)量就已經(jīng)達(dá)到兩千多家,由于發(fā)展時(shí)間較短,許多P2P網(wǎng)絡(luò)信貸平臺(tái)自身還未形成規(guī)范的風(fēng)險(xiǎn)管理體系。P2P網(wǎng)貸平臺(tái)快速發(fā)展的同時(shí),不可避免的將面臨一系列金融風(fēng)險(xiǎn),這些風(fēng)險(xiǎn)直接導(dǎo)致了近幾年多起P2P網(wǎng)貸平臺(tái)跑路、倒閉等事件。在所有的問(wèn)題平臺(tái)中,來(lái)自民營(yíng)系的P2P網(wǎng)貸平臺(tái)占據(jù)著很大一部分比例,因此,民營(yíng)系平臺(tái)的風(fēng)險(xiǎn)防范對(duì)于整個(gè)行業(yè)具有重要意義。本文選取發(fā)展模式、風(fēng)險(xiǎn)控制更為完善的風(fēng)投系P2P網(wǎng)貸平臺(tái)和民營(yíng)系P2P網(wǎng)貸平臺(tái)進(jìn)行對(duì)比,以此來(lái)發(fā)掘民營(yíng)系P2P網(wǎng)貸平臺(tái)在發(fā)展過(guò)程中存在的問(wèn)題,這對(duì)于我國(guó)P2P網(wǎng)貸行業(yè)的健康持續(xù)發(fā)展有著重要的理論意義和現(xiàn)實(shí)指導(dǎo)意義。本文從我國(guó)P2P網(wǎng)絡(luò)借貸的行業(yè)背景和當(dāng)前出現(xiàn)的諸多問(wèn)題為出發(fā)點(diǎn),結(jié)合國(guó)內(nèi)外研究成果提出了一些自己的看法,并且從我國(guó)P2P網(wǎng)貸行業(yè)的發(fā)展現(xiàn)狀、P2P網(wǎng)貸行業(yè)規(guī)范、P2P網(wǎng)貸行業(yè)發(fā)展存在的問(wèn)題三方面闡述了相關(guān)的制度背景。然后選取36家民營(yíng)系P2P網(wǎng)貸平臺(tái)和36家風(fēng)投系P2P網(wǎng)貸平臺(tái)進(jìn)行大樣本對(duì)比分析,包括運(yùn)營(yíng)風(fēng)險(xiǎn)和資金托管風(fēng)險(xiǎn)方面,根據(jù)對(duì)比結(jié)果得出民營(yíng)系和風(fēng)投系P2P網(wǎng)貸平臺(tái)在運(yùn)營(yíng)管理中的異同,分析民營(yíng)系網(wǎng)貸平臺(tái)頻頻出問(wèn)題的原因。最后,基于72家網(wǎng)貸平臺(tái)風(fēng)險(xiǎn)分析的結(jié)果,從運(yùn)營(yíng)風(fēng)險(xiǎn)管理和資金托管風(fēng)險(xiǎn)管理兩方面對(duì)我國(guó)如何合理預(yù)防與控制P2P網(wǎng)貸平臺(tái)的風(fēng)險(xiǎn)提出了思路與建議。
[Abstract]:P2P network lending is a financial service intermediary that both supply and demand funds use the Internet as an information channel to finance their funds. It is the emergence of the network loan mode of P2P network loan that the investors lend funds to the party with loan demand through the third party network platform, which provides a new way to solve the difficulty of financing the small and medium-sized enterprises in our country, and promotes the social capital to be fairer. Reasonable distribution is a beneficial supplement to our traditional financial system. Since the P2P network loan platform entered the country in 2007, in just a few years, the number of P2P network loan platform in our country has reached more than 2,000, because the development time is relatively short. Many P2P network credit platforms have not yet formed a standardized risk management system. The rapid development of P2P network loan platform will inevitably face a series of financial risks. These risks directly lead to many P2P network loan platform running in recent years. A failure, etc. In all the problem platforms, P2P network loan platform from private sector accounts for a large proportion. Therefore, the risk prevention of private sector platform is of great significance to the whole industry. This article selects the development pattern, the risk control more perfect P2P network loan platform and the private system P2P network loan platform carries on the contrast, in order to discover the private system P2P network loan platform in the development process existence question. This has important theoretical and practical significance for the healthy and sustainable development of P2P loan industry in China. Based on the background of P2P network lending industry in China and the current problems, this paper puts forward some views based on the domestic and foreign research results. And from the current situation of the development of P2P network loan industry in China, the paper expounds the relevant system background from three aspects: the development of P2P network loan industry and the problems existing in the development of P2P network loan industry. Then, 36 private P2P network loan platforms and 36 venture capital P2P network loan platforms are selected to carry out a large sample comparative analysis, including operational risk and capital hosting risk. According to the comparison results, the paper draws the similarities and differences of P2P network loan platform of private department and venture capital department in operation management, and analyzes the reasons for the frequent problems of private network loan platform. Finally, based on the results of risk analysis of 72 network loan platforms, this paper puts forward some ideas and suggestions on how to prevent and control the risks of P2P network loan platforms in China from two aspects: operational risk management and capital custody risk management.
【學(xué)位授予單位】：安徽工業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F724.6;F832.4

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