本文選題：P2P網(wǎng)絡(luò)借貸 + 風(fēng)險(xiǎn)識(shí)別��； 參考：《山東農(nóng)業(yè)大學(xué)》2017年碩士論文

【摘要】：隨著近年來(lái)互聯(lián)網(wǎng)的不斷普及以及金融業(yè)的快速發(fā)展,“互聯(lián)網(wǎng)+金融”模式已經(jīng)開(kāi)始深度融合,在“大眾創(chuàng)業(yè),萬(wàn)眾創(chuàng)新”的政策引領(lǐng)下,中小微企業(yè)及個(gè)人的融資需求日益旺盛,可是傳統(tǒng)的銀行等金融機(jī)構(gòu)存在著借貸融資門(mén)檻的不斷提高的現(xiàn)狀,使得融資難的困境出現(xiàn),P2P網(wǎng)絡(luò)借貸行業(yè)應(yīng)運(yùn)而生。它是民間借貸與互聯(lián)網(wǎng)的深度融合,旨在為未達(dá)到傳統(tǒng)金融機(jī)構(gòu)融資門(mén)檻的中小微企業(yè)及個(gè)人提供高效的融資便利。但P2P網(wǎng)絡(luò)借貸行業(yè)中也存在著一些漏洞,體現(xiàn)在行業(yè)缺乏統(tǒng)一的制度規(guī)范及信用評(píng)價(jià)體系、信息披露不到位、專(zhuān)業(yè)人員素質(zhì)低等等方面,由此造成了信用風(fēng)險(xiǎn)、流動(dòng)性風(fēng)險(xiǎn)、操作風(fēng)險(xiǎn)、擔(dān)保風(fēng)險(xiǎn)、經(jīng)營(yíng)風(fēng)險(xiǎn)等,不利于行業(yè)的安全穩(wěn)定運(yùn)營(yíng)。本文借助紅嶺創(chuàng)投平臺(tái)的風(fēng)險(xiǎn)案例,對(duì)P2P網(wǎng)絡(luò)借貸行業(yè)的風(fēng)險(xiǎn)進(jìn)行類(lèi)型識(shí)別、風(fēng)險(xiǎn)源分析、測(cè)度以及提出對(duì)策建議,旨在為整個(gè)網(wǎng)貸行業(yè)的風(fēng)險(xiǎn)防控提供一定的借鑒意義。本文第一部分為緒論,包括研究背景及目的意義、國(guó)內(nèi)外研究綜述、研究方法及技術(shù)路線,以及本文的創(chuàng)新及不足之處;第二部分為紅嶺創(chuàng)投平臺(tái)的運(yùn)作狀況分析,包括平臺(tái)概況、平臺(tái)運(yùn)作特點(diǎn)分析以及成效分析;第三部分為紅嶺創(chuàng)投平臺(tái)的風(fēng)險(xiǎn)識(shí)別,包括“場(chǎng)外IT指導(dǎo)事件”識(shí)別出的操作風(fēng)險(xiǎn)、“個(gè)人擔(dān)保標(biāo)事件”識(shí)別出的信用風(fēng)險(xiǎn)和擔(dān)保風(fēng)險(xiǎn)以及“一億元借款逾期事件”識(shí)別出的流動(dòng)性風(fēng)險(xiǎn)和經(jīng)營(yíng)風(fēng)險(xiǎn);第四部分為紅嶺創(chuàng)投平臺(tái)的風(fēng)險(xiǎn)源分析,包括對(duì)信用風(fēng)險(xiǎn)、流動(dòng)性風(fēng)險(xiǎn)、操作風(fēng)險(xiǎn)、擔(dān)保風(fēng)險(xiǎn)和經(jīng)營(yíng)風(fēng)險(xiǎn)五大類(lèi)風(fēng)險(xiǎn)的風(fēng)險(xiǎn)源分別進(jìn)行分析;第五部分為紅嶺創(chuàng)投平臺(tái)的風(fēng)險(xiǎn)測(cè)度,包括用層次分析法測(cè)度的平臺(tái)外部風(fēng)險(xiǎn)和用Logistic回歸模型測(cè)度的借款者信用風(fēng)險(xiǎn);第六部分為紅嶺創(chuàng)投平臺(tái)的風(fēng)險(xiǎn)防控對(duì)策,從政府、平臺(tái)自身、市場(chǎng)建設(shè)以及網(wǎng)絡(luò)環(huán)境及安全建設(shè)四個(gè)層面對(duì)平臺(tái)的風(fēng)險(xiǎn)防控給予針對(duì)性的對(duì)策建議。
[Abstract]:With the continuous popularization of the Internet and the rapid development of the financial industry in recent years, the mode of "Internet finance" has begun to integrate deeply. The financing needs of small and medium-sized enterprises and individuals are increasingly exuberant, but the traditional banks and other financial institutions have the situation of increasing the threshold of loan financing, which makes the plight of financing difficult to appear P2P network lending industry emerged as the times require. It is a deep fusion of private lending and the Internet, aiming at providing efficient financing facilities for small and medium-sized enterprises and individuals who fail to reach the threshold of financing for traditional financial institutions. However, there are also some loopholes in P2P network lending industry, which are reflected in the lack of uniform system and credit evaluation system, the lack of information disclosure, the low quality of professional personnel, and so on, which result in credit risk, liquidity risk, and so on. Operational risk, guarantee risk, operating risk, etc. is not conducive to the safe and stable operation of the industry. With the help of the risk case of Hongling venture capital platform, this paper identifies the risk types, analyzes the risk sources, measures and puts forward some countermeasures and suggestions for the risk prevention and control of the whole network lending industry in order to provide certain reference significance for the risk prevention and control of the whole network loan industry. The first part of this paper is the introduction, including the research background and purpose significance, the domestic and foreign research summary, the research method and the technical route, as well as the innovation and the deficiency of this paper. The third part is the risk identification of Hongling Venture Investment platform, including the operational risk identified by off-site IT guidance events. The credit risk and guarantee risk identified by the "personal guarantee Standard event" and the liquidity risk and operating risk identified by "100 million Yuan overdue loan event"; the fourth part is the risk source analysis of Hongling Venture Capital platform, including credit risk. The risk sources of liquidity risk, operational risk, guarantee risk and operational risk are analyzed respectively. The fifth part is the risk measurement of Hongling venture capital investment platform. The sixth part is the risk prevention and control countermeasures of Hongling venture capital investment platform, from the government, the platform itself, including the external risk of the platform measured by analytic hierarchy process and the borrower credit risk measured by the Logistic regression model, the sixth part is the risk prevention and control countermeasures of the Hongling venture capital investment platform. Four aspects of market construction, network environment and security construction are put forward to the risk prevention and control of the platform.
【學(xué)位授予單位】：山東農(nóng)業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類(lèi)號(hào)】：F832.4;F724.6

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