【摘要】：自2013年起,因?yàn)榫W(wǎng)貸平臺(tái)的貸款信息發(fā)布快捷靈活、貸款手續(xù)簡(jiǎn)化以及成本低等優(yōu)點(diǎn),網(wǎng)絡(luò)借貸平臺(tái)發(fā)展非常迅猛。和傳統(tǒng)的銀行貸款業(yè)務(wù)相比較,網(wǎng)絡(luò)借貸平臺(tái)的行業(yè)監(jiān)管是不完善的,所以需要承受更多的風(fēng)險(xiǎn)。同時(shí)隨著網(wǎng)絡(luò)借貸的持續(xù)性發(fā)展,越來(lái)越多的個(gè)人和企業(yè)投身于網(wǎng)貸行業(yè)中來(lái)。但是由于行業(yè)監(jiān)管沒有跟上網(wǎng)絡(luò)貸款企業(yè)發(fā)展的速度,以及與此相關(guān)的法律法規(guī)沒有及時(shí)落實(shí),所以部分網(wǎng)絡(luò)借貸企業(yè)不斷演變成網(wǎng)絡(luò)借貸問題平臺(tái)。一直到2016年12月底,有大約2200家網(wǎng)絡(luò)借貸問題平臺(tái),許多網(wǎng)絡(luò)借貸平臺(tái)的倒閉也使人們開始警覺。2016年10月31 日,國(guó)務(wù)院正式發(fā)布了《互聯(lián)網(wǎng)金融風(fēng)險(xiǎn)專項(xiàng)整治工作實(shí)施方案》,同時(shí),中國(guó)人民銀行等十幾個(gè)部委發(fā)布了網(wǎng)絡(luò)借貸等多個(gè)細(xì)分領(lǐng)域風(fēng)險(xiǎn)整治文件,無(wú)疑規(guī)范了網(wǎng)絡(luò)借貸平臺(tái)內(nèi)部控制架構(gòu)和要求,這對(duì)網(wǎng)絡(luò)借貸平臺(tái)敲響了一記警鐘,因此對(duì)于互聯(lián)網(wǎng)信貸平臺(tái)的內(nèi)部控制進(jìn)行研究是非常必要的。本文的研究意義是希望通過(guò)對(duì)RS互聯(lián)網(wǎng)信貸平臺(tái)的貸款業(yè)務(wù)內(nèi)部控制進(jìn)行分析,研究其面臨的貸款業(yè)務(wù)內(nèi)部控制問題,在此基礎(chǔ)上探討出適合網(wǎng)絡(luò)借貸企業(yè)的行之有效的貸款業(yè)務(wù)內(nèi)部控制建設(shè),并希望能為行業(yè)內(nèi)的其它公司提供參考。全文共分為四個(gè)部分,第一部分主要從內(nèi)部控制的概念以及內(nèi)部控制五要素入手介紹了內(nèi)部控制,并且介紹了包括貸款環(huán)節(jié)和貸款方式的貸款業(yè)務(wù)內(nèi)部控制。第二部分主要介紹了 RS平臺(tái)的基本情況和涉及的貸款業(yè)務(wù)并且介紹其貸款業(yè)務(wù)內(nèi)部控制的現(xiàn)狀。第三部分主要從各個(gè)不同方面來(lái)闡述RS平臺(tái)內(nèi)部控制存在的主要問題并且分析平臺(tái)產(chǎn)生問題的原因。第四部分主要通過(guò)分析得來(lái)的RS平臺(tái)內(nèi)部控制問題產(chǎn)生的原因,提出相應(yīng)的解決措施。
[Abstract]:Since 2013, because of the advantages of quick and flexible loan information release, simplified loan procedures and low cost, the online loan platform has developed rapidly. Compared with the traditional bank loan business, the industry regulation of the network lending platform is not perfect, so it needs to bear more risks. At the same time, with the continuous development of online lending, more and more individuals and enterprises are engaged in the online lending industry. However, since industry regulation has not kept pace with the development of online lending enterprises, and the relevant laws and regulations have not been implemented in time, some online lending enterprises have evolved into a network lending problem platform. As of the end of December 2016, there were about 2200 online lending platforms, and the collapse of many online lending platforms has alerted people. October 31, 2016. The State Council has officially issued the "implementation Plan for the Special rectification of Internet Financial risks." at the same time, the people's Bank of China and more than a dozen ministries and commissions have issued documents on risk control in a number of subdivision areas, such as network lending. There is no doubt that the internal control structure and requirements of the network lending platform are standardized, which sounds an alarm to the network lending platform. Therefore, it is very necessary to study the internal control of the Internet credit platform. The research significance of this paper is to analyze the internal control of the loan business of RS Internet credit platform, and to study the internal control problem of the loan business. On this basis, this paper discusses the effective internal control construction of loan business suitable for network lending enterprises, and hopes to provide reference for other companies in the industry. This paper is divided into four parts. The first part introduces the internal control from the concept of internal control and the five elements of internal control, and introduces the internal control of loan business, including the loan link and loan mode. The second part mainly introduces the basic situation of RS platform and the loan business involved, and introduces the present situation of internal control of the loan business. In the third part, the main problems in the internal control of RS platform are explained from different aspects and the causes of the problems are analyzed. In the fourth part, the causes of the internal control problems of RS platform are analyzed, and the corresponding solutions are put forward.
【學(xué)位授予單位】：遼寧大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.4;F724.6;F830.42

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本文編號(hào)：2186288