本文關(guān)鍵詞：基于融資擔(dān)保機(jī)制的P2P網(wǎng)絡(luò)借貸滿足性研究　出處：《廣西師范大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

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【摘要】：P2P行業(yè)的兩端,一端是財(cái)富管理,另一端是消費(fèi)金融,不論是消費(fèi)金融還是財(cái)富管理,都是萬億級(jí)的行業(yè),都在安全性保障下追求自身利益最大化,即財(cái)富管理的資本增值最大化和消費(fèi)金融的成本最小化。平臺(tái)引入擔(dān)保機(jī)制恰恰為P2P網(wǎng)貸平臺(tái)的參與者提供了安全保障。充分、合理的運(yùn)用融資擔(dān)保模式,在一定程度上彌補(bǔ)了市場(chǎng)缺失,降低投資風(fēng)險(xiǎn),更好的服務(wù)于融資者和投資者。然而,引入擔(dān)保機(jī)制導(dǎo)致P2P網(wǎng)貸平臺(tái)功能異化與錯(cuò)位,明顯具有影子銀行的特性,并產(chǎn)生許多信用風(fēng)險(xiǎn)問題。近年來,P2P網(wǎng)貸行業(yè)頻繁曝光資金安全威脅,提現(xiàn)困難、失聯(lián)、跑路等事件頻頻發(fā)生。網(wǎng)貸行業(yè)在經(jīng)歷了“放羊式”繁榮發(fā)展后,2016年步入了行業(yè)整治監(jiān)管元年,迎來了一個(gè)分水嶺式的轉(zhuǎn)折拐點(diǎn)。2016年8月17日,《網(wǎng)絡(luò)借貸信息中介機(jī)構(gòu)業(yè)務(wù)活動(dòng)管理暫行辦法》的第二條明確提出P2P平臺(tái)的信息服務(wù)中介地位,強(qiáng)化了行業(yè)要“去擔(dān)保化”的趨勢(shì)。本文擬采取以P2P網(wǎng)絡(luò)借貸的相關(guān)概念和理論基礎(chǔ)為論文的研究出發(fā)點(diǎn),在借鑒國(guó)內(nèi)外學(xué)者的研究成果的基礎(chǔ)上,分析了 P2P網(wǎng)絡(luò)借貸行業(yè)的現(xiàn)實(shí)背景和發(fā)展現(xiàn)狀,網(wǎng)貸融資擔(dān)保模式的起源和模式簡(jiǎn)介以及存在的問題,并對(duì)三種擔(dān)保模式下的五種擔(dān)保方式進(jìn)行比較與整合,采取二元logistic回歸分析和線性回歸分析方法,對(duì)P2P網(wǎng)絡(luò)借貸的融資滿足性進(jìn)行實(shí)證研究。第一部分是導(dǎo)論,明確研究背景與意義、研究框架以及論文的創(chuàng)新與不足之處。第二部分是整理闡述國(guó)內(nèi)外文獻(xiàn)成果,主要針對(duì)四個(gè)方面作了詳細(xì)的介紹:網(wǎng)貸平臺(tái)模式的綜合研究、網(wǎng)貸融資擔(dān)保的綜合研究、網(wǎng)貸平臺(tái)信息不對(duì)稱的研究和網(wǎng)貸參與主體的行為研究。第三部分是整理闡述了網(wǎng)絡(luò)借貸融資擔(dān)保相關(guān)概念和理論基礎(chǔ)。第四部分是對(duì)我國(guó)P2P網(wǎng)絡(luò)借貸的發(fā)展現(xiàn)狀進(jìn)行分析,梳理我國(guó)P2P網(wǎng)貸融資擔(dān)保的起源和網(wǎng)貸融資擔(dān)保模式,并分析P2P網(wǎng)貸平臺(tái)存在諸多的風(fēng)險(xiǎn)、問題,并探討了我國(guó)網(wǎng)貸平臺(tái)“去擔(dān)�；壁厔�(shì)的障礙。第五部分是擔(dān)保模式對(duì)P2P網(wǎng)絡(luò)借貸融資滿足性的實(shí)證分析。采取二元logistic回歸分析和線性回歸分析方法,對(duì)P2P網(wǎng)絡(luò)借貸的融資滿足性進(jìn)行實(shí)證研究,主要研究:①五個(gè)擔(dān)保模式下網(wǎng)貸平臺(tái)融資滿足性的異同分析;②在模型中加入擔(dān)保模式作為自變量進(jìn)行分析,研究擔(dān)保模式對(duì)網(wǎng)貸融資滿足性的影響關(guān)系,并對(duì)實(shí)證研究結(jié)果做出合理分析。第六部分,為了更好的推進(jìn)我國(guó)P2P網(wǎng)貸市場(chǎng)的轉(zhuǎn)型升級(jí)和健康、穩(wěn)定的發(fā)展,綜合理論分析與實(shí)證研究結(jié)果的基礎(chǔ)上,旨在我國(guó)網(wǎng)貸行業(yè)監(jiān)管整治階段和平臺(tái)去擔(dān)保化的轉(zhuǎn)型階段中,針對(duì)融資擔(dān)保模式的不足和風(fēng)險(xiǎn),對(duì)于平臺(tái)擔(dān)保的改革轉(zhuǎn)型提供有效的意見和建議。本文認(rèn)為應(yīng)當(dāng)構(gòu)建多元化網(wǎng)絡(luò)融資擔(dān)保監(jiān)管機(jī)制:完善網(wǎng)貸擔(dān)保機(jī)制法律監(jiān)管體系、完善網(wǎng)貸擔(dān)保機(jī)構(gòu)的資質(zhì)審核和準(zhǔn)入退出機(jī)制、完善社會(huì)征信機(jī)制和信息披露制度;引入銀行、保險(xiǎn)機(jī)構(gòu),構(gòu)建多樣化的P2P網(wǎng)貸擔(dān)保服務(wù)模式;梳理理性投資理念,合理甄別信息,強(qiáng)化風(fēng)險(xiǎn)防范。
[Abstract]:Both ends of the P2P industry, one is wealth management, the other end is consumer finance, whether it is consumer finance and wealth management, are trillion industry, are seeking to maximize their own interests in security, namely the wealth management capital appreciation maximization and consumer finance cost minimization. It introduced the guarantee mechanism platform to provide for the security of P2P net loan platform participants. Fully, reasonable use of financing guarantee mode, to a certain extent make up for lack of market and reduce the investment risk, to better serve the financiers and investors. However, in guarantee mechanism to cause the P2P net loan platform function of alienation and dislocation, with obvious characteristics of shadow banking the credit risk and produce many problems. In recent years, P2P net loan industry funds frequently exposed security threats, cash difficulties, lost contact, run away frequent incidents. Net loan industry has experienced " The sheep "boom after 2016 entered the industry supervision regulation year ushered in a turning point watershed.2016 in August 17th second," Interim Measures for the business management information network lending intermediaries > clearly P2P platform of information intermediary service status, strengthen the industry to guarantee of the trend. This article intends to take on the concept of P2P lending network and theoretical basis for the starting point, on the basis of research results of domestic and foreign scholars on the analysis of the present situation and development background of P2P network lending industry, introduction of the origin and mode of net loan financing mode and the existing problems, five by way of security and the three guarantee mode is compared with the integration, take two yuan logistic regression analysis and linear regression analysis method, the P2P network lending financing to meet the needs of empirical Study. The first part is the introduction, clarifies the research background and significance, research framework and innovations. The second part is finishing the elaboration of domestic and foreign literatures, mainly introduced in four aspects: comprehensive research on the net loan platform mode, comprehensive research on the net loan financing guarantee, network behavior research loan platform of information asymmetry research and net loan participation. The third part is the network lending financing guarantee related concepts and theoretical basis of consolidation. The fourth part is the current situation of the development of online P2P lending in China is analyzed, and the origin of comb net loan financing guarantee mode of China's P2P net loan financing guarantee, and analysis P2P net loan platform has many risk problems, and discusses China's net loan platform to guarantee the trend of obstacles. The fifth part is the guarantee mode of P2P network lending financing to meet the empirical Take two yuan analysis. Logistic regression analysis and linear regression analysis method, the P2P network lending financing to meet the needs of empirical research, main research: analysis of the similarities and differences of the five net loan financing platform to meet the security mode; II joined the guarantee model in the model were analyzed as independent variable, research on network security model loan financing to meet the influence of the relationship, and make a reasonable analysis of the results of empirical research. The sixth part, in order to better promote China's P2P net loan market transformation and upgrading of healthy and stable development, based on theoretical analysis and empirical research results on the transition stage aims to China net loan industry regulation and rectification stage the platform to guarantee the financing guarantee mode, aiming at the problems and risks, to provide effective advice and suggestions for the reform of the platform security transformation. This paper thinks that we should build a diversified network financing. Insurance Regulatory Mechanism: perfecting legal supervision system of net loan guarantee mechanism, improve the net loan guarantee agency qualification and entry exit mechanism, improve the social credit system and information disclosure system; introducing the bank, insurance institutions, the construction of the diversified P2P net loan guarantee service mode; combing the rational investment philosophy, reasonable screening information, strengthen risk prevention.

【學(xué)位授予單位】：廣西師范大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F724.6;F832.4

【參考文獻(xiàn)】

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本文編號(hào)：1400216