本文關(guān)鍵詞：P2P網(wǎng)貸風(fēng)險(xiǎn)監(jiān)控研究　出處：《浙江大學(xué)》2017年碩士論文　論文類(lèi)型：學(xué)位論文

  更多相關(guān)文章： P2P 網(wǎng)絡(luò)貸款 風(fēng)險(xiǎn) 監(jiān)控體系

【摘要】：隨著"互聯(lián)網(wǎng)+"席卷民間貸款傳統(tǒng)行業(yè),P2P網(wǎng)絡(luò)貸款應(yīng)運(yùn)而生。目前,我國(guó)P2P網(wǎng)貸行業(yè)蓬勃發(fā)展,方興未艾,但該行業(yè)還沒(méi)有建立完善的風(fēng)險(xiǎn)管理體制,也沒(méi)有相對(duì)完善的法律法規(guī)管理制度。本論文首先追溯P2P網(wǎng)貸平臺(tái)起源,從Prosper、Lending Club、Kiva、拍拍貸、陸金所、宜人貸等國(guó)內(nèi)外主要網(wǎng)貸平臺(tái)著手,梳理、解構(gòu)其發(fā)展歷程、現(xiàn)狀、產(chǎn)品類(lèi)型、業(yè)務(wù)流程、盈利方式、個(gè)性特征。然后從年度、地域、注冊(cè)資本金、存續(xù)時(shí)間等方面分析了 P2P網(wǎng)貸問(wèn)題平臺(tái)現(xiàn)狀,進(jìn)而對(duì)P2P網(wǎng)貸行業(yè)的多重風(fēng)險(xiǎn)因素特別是就資金池、征信、借款人審核機(jī)制、審計(jì)缺失、債權(quán)追償、宏觀環(huán)境等方面進(jìn)行詳細(xì)分析。接著針對(duì)風(fēng)險(xiǎn)因素,從政府監(jiān)管、平臺(tái)運(yùn)營(yíng)、貸款人投資三個(gè)角度提出控制網(wǎng)貸風(fēng)險(xiǎn)、加強(qiáng)監(jiān)控、防范損失建議。最后進(jìn)行簡(jiǎn)要總結(jié),P2P網(wǎng)貸行業(yè)優(yōu)勝劣汰將進(jìn)一步加快,集團(tuán)化、并購(gòu)潮態(tài)勢(shì)明顯,前景廣闊,任重道遠(yuǎn)。隨著宏觀環(huán)境改善,P2P網(wǎng)貸行業(yè)終將迎來(lái)一個(gè)新的發(fā)展機(jī)遇期。
[Abstract]:With the "Internet" sweeping the traditional industry of private loans, P2P network loans came into being. At present, the P2P network lending industry in China is booming and in the ascendant. However, the industry has not yet established a sound risk management system, and there is no relatively perfect laws and regulations management system. Firstly, this paper traces the origin of P2P network loan platform from Prosper. Lending Clubo Kiva, PPDAI, lufax, pleasant loans and other domestic and foreign major network lending platform to start, comb, deconstruct its development process, status quo, product types, business processes. Profit mode, personality characteristics. Then from the annual, geographical, registered capital, survival time and other aspects of P2P network loan platform analysis. Then the P2P network loan industry in particular on the multiple risk factors of the pool of funds credit checking mechanism audit audit missing debt recovery macro environment and other aspects of detailed analysis. Then the risk factors. From the three angles of government supervision, platform operation and lender investment, this paper puts forward some suggestions to control network loan risk, strengthen monitoring and prevent losses. Finally, a brief summary will be made on the survival of the fittest in P2P network loan industry. With the improvement of macro environment, P2P network loan industry will usher in a new development opportunity period.
【學(xué)位授予單位】：浙江大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類(lèi)號(hào)】：F724.6;F832.4

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本文編號(hào)：1363904