本文選題：P2P網(wǎng)貸平臺 + 民營系�。� 參考：《安徽工業(yè)大學》2017年碩士論文

【摘要】：P2P網(wǎng)絡借貸是資金供需雙方以互聯(lián)網(wǎng)作為信息渠道實現(xiàn)資金融通的金融服務中介,是出資人通過第三方網(wǎng)絡平臺將資金貸給有借款需求一方的網(wǎng)絡借貸模式。P2P網(wǎng)絡借貸的出現(xiàn)為我國中小企業(yè)融資難的困境提供了全新的解決途徑,促進了社會資本更加公平、合理的分配,是我國傳統(tǒng)金融體系的有益補充。自從2007年P2P網(wǎng)貸平臺進入國內,短短幾年時間,我國P2P網(wǎng)貸平臺數(shù)量就已經達到兩千多家,由于發(fā)展時間較短,許多P2P網(wǎng)絡信貸平臺自身還未形成規(guī)范的風險管理體系。P2P網(wǎng)貸平臺快速發(fā)展的同時,不可避免的將面臨一系列金融風險,這些風險直接導致了近幾年多起P2P網(wǎng)貸平臺跑路、倒閉等事件。在所有的問題平臺中,來自民營系的P2P網(wǎng)貸平臺占據(jù)著很大一部分比例,因此,民營系平臺的風險防范對于整個行業(yè)具有重要意義。本文選取發(fā)展模式、風險控制更為完善的風投系P2P網(wǎng)貸平臺和民營系P2P網(wǎng)貸平臺進行對比,以此來發(fā)掘民營系P2P網(wǎng)貸平臺在發(fā)展過程中存在的問題,這對于我國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)實指導意義。本文從我國P2P網(wǎng)絡借貸的行業(yè)背景和當前出現(xiàn)的諸多問題為出發(fā)點,結合國內外研究成果提出了一些自己的看法,并且從我國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)展存在的問題三方面闡述了相關的制度背景。然后選取36家民營系P2P網(wǎng)貸平臺和36家風投系P2P網(wǎng)貸平臺進行大樣本對比分析,包括運營風險和資金托管風險方面,根據(jù)對比結果得出民營系和風投系P2P網(wǎng)貸平臺在運營管理中的異同,分析民營系網(wǎng)貸平臺頻頻出問題的原因。最后,基于72家網(wǎng)貸平臺風險分析的結果,從運營風險管理和資金托管風險管理兩方面對我國如何合理預防與控制P2P網(wǎng)貸平臺的風險提出了思路與建議。
[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.
【學位授予單位】：安徽工業(yè)大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F724.6;F832.4

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本文編號：1876513