本文選題：P2P + 金融創(chuàng)新　； 參考：《對外經(jīng)濟貿(mào)易大學(xué)》2015年碩士論文

【摘要】：作為互聯(lián)網(wǎng)金融領(lǐng)域重要的組成部分,P2P將互聯(lián)網(wǎng)和金融創(chuàng)新進行了深度融合。2014年進入大規(guī)模爆發(fā)性增長期,預(yù)計到2015年年底,總體規(guī)模將突破萬億級別。作為對中國金融體制的創(chuàng)新性改革,P2P獲得不斷的發(fā)展壯大,促進了國民經(jīng)濟的發(fā)展,促進了金融創(chuàng)新的步伐。隨之而來的是層出不窮的風(fēng)險、問題和隱憂。P2P綜合了互聯(lián)網(wǎng)信息服務(wù)和金融服務(wù)的雙重身份,許多創(chuàng)新產(chǎn)品業(yè)務(wù)邊界十分模糊,傳統(tǒng)監(jiān)管難以實施。線上線下結(jié)合的模式,使得業(yè)務(wù)不透明和信息不對稱。進行產(chǎn)品創(chuàng)新的同時,由于缺乏專業(yè)的管理經(jīng)驗和對非系統(tǒng)性風(fēng)險的防范機制和控制能力,眾多平臺在資金錯期機制和利益分配機制等方面暴露風(fēng)險。金融的本質(zhì)是風(fēng)險管理,任何一個成功的金融企業(yè)的運作,總離不開在法律和監(jiān)管下,對流動性和信用風(fēng)險的良好控制。因此,研究P2P企業(yè)的產(chǎn)品創(chuàng)新和行業(yè)監(jiān)管,以及風(fēng)險控制和征信體系的建立,對于這個行業(yè)健康有序的發(fā)展,具有非常重要的意義。本文通過文獻調(diào)研、統(tǒng)計分析與實證研究結(jié)合的方式,找出我國P2P產(chǎn)品創(chuàng)新的機遇,以及可能的路徑和邏輯;分解平臺的潛在風(fēng)險點,提出加強風(fēng)險控制的相關(guān)建議;最后從目前監(jiān)管面臨的主要問題出發(fā),綜合國際監(jiān)管經(jīng)驗,提出國內(nèi)P2P監(jiān)管的要點和方式。
[Abstract]:P2P, an important part of Internet finance, has deeply integrated Internet and financial innovation. In 2014, it has entered a period of explosive growth, and by the end of 2015, the overall scale is expected to exceed trillion levels. As an innovative reform of China's financial system, P2P has been continuously developing, promoting the development of the national economy and promoting the pace of financial innovation. Problems and worries. P2P combines the dual identity of Internet information services and financial services, many innovative products business boundaries are very vague, traditional supervision is difficult to implement. Online and offline combination of the mode, making business opaque and information asymmetry. At the same time, due to the lack of professional management experience and the ability to prevent and control non-systemic risks, many platforms are exposed to risks in the aspects of fund mistiming mechanism and benefit allocation mechanism. The essence of finance is risk management. The operation of any successful financial enterprise is always inseparable from the good control of liquidity and credit risk under the law and supervision. Therefore, it is of great significance to study the product innovation and industry supervision of P2P enterprises, as well as the establishment of risk control and credit system for the healthy and orderly development of the industry. Through literature investigation, statistical analysis and empirical research, this paper finds out the opportunity of P2P product innovation in China, as well as the possible path and logic, decomposes the potential risk points of the platform, and puts forward relevant suggestions to strengthen risk control. Finally, the main points and methods of domestic P2P supervision are put forward based on the main problems of current supervision and international supervision experience.
【學(xué)位授予單位】：對外經(jīng)濟貿(mào)易大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2015
【分類號】：F724.6;F832.4

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本文編號：2004598