本文選題：P2P網(wǎng)絡(luò)借貸 + 風(fēng)險(xiǎn)管理��； 參考：《湘潭大學(xué)》2017年碩士論文

【摘要】：P2P網(wǎng)絡(luò)借貸即個(gè)體對(duì)個(gè)體通過(guò)網(wǎng)絡(luò)進(jìn)行資金借貸,是一種融合了互聯(lián)網(wǎng)技術(shù)和民間小額信貸的一種新型的借貸形式。這種借貸模式既可以解決當(dāng)前中小微企業(yè)、個(gè)體商戶(hù)融資難的問(wèn)題,又能滿(mǎn)足投資者在當(dāng)前房市疲軟和股市投資功能弱的背景下對(duì)投資多樣化的需求。與商業(yè)銀行、貸款公司、民間借貸平臺(tái)等借貸方式相比,P2P網(wǎng)貸具有著一定的特點(diǎn),包括以貸款流程方便,效率高;服務(wù)對(duì)象廣闊;投資分散,信用風(fēng)險(xiǎn)較低;利率市場(chǎng)化程度高。由于我國(guó)不夠健全的法律監(jiān)管以及不夠完善的社會(huì)信息體系,加上P2P行業(yè)風(fēng)險(xiǎn)管理技術(shù)的相對(duì)落后,我國(guó)P2P網(wǎng)絡(luò)借貸行業(yè)存在嚴(yán)重的風(fēng)險(xiǎn)隱患。P2P網(wǎng)貸存在著一系列的風(fēng)險(xiǎn),比如借款人還款風(fēng)險(xiǎn)、擔(dān)保與關(guān)聯(lián)交易風(fēng)險(xiǎn)、借款人騙貸風(fēng)險(xiǎn)、平臺(tái)欺詐風(fēng)險(xiǎn)、平臺(tái)操作風(fēng)險(xiǎn)等等,這些風(fēng)險(xiǎn)的存在可能導(dǎo)致資金鏈斷裂。另外,我國(guó)P2P網(wǎng)貸的運(yùn)營(yíng)中存在以下主要問(wèn)題:信息不公開(kāi),流動(dòng)性存隱憂(yōu);部分平臺(tái)詐騙、自融,欺騙貸款人;由小額貸款向大額融資模式發(fā)展,違約風(fēng)險(xiǎn)集中;缺乏人才及風(fēng)險(xiǎn)量化工具,風(fēng)險(xiǎn)管理能力低等。本文以L(fǎng)ending Club為例詳述平臺(tái)借款者風(fēng)險(xiǎn)控制并與我國(guó)典型的P2P網(wǎng)絡(luò)借貸平臺(tái)——點(diǎn)融網(wǎng)和e租寶風(fēng)險(xiǎn)管理控制進(jìn)行了對(duì)比,從借款者借貸之前、借貸之中與借貸之后的風(fēng)險(xiǎn)管理進(jìn)行對(duì)比發(fā)現(xiàn)問(wèn)題,以及網(wǎng)絡(luò)安全、線(xiàn)上線(xiàn)下業(yè)務(wù)比例、制度建設(shè)等方面提出解決辦法。
[Abstract]:P2P network lending is a new type of loan which combines Internet technology and private micro-credit. This kind of lending model can not only solve the problem of financing difficulty of small and medium-sized enterprises and individual merchants, but also satisfy the investors' demand for investment diversification under the background of weak housing market and weak investment function of stock market. Compared with commercial banks, loan companies and private lending platforms, P2P network lending has some characteristics, including convenient loan process, high efficiency, broad service object, dispersed investment and low credit risk. Interest rate marketization degree is high. Due to the imperfect legal supervision and social information system in our country and the relative backwardness of risk management technology in P2P industry, there are a series of risks in P2P network lending industry in China. For example, borrower repayment risk, guarantee and related party transaction risk, borrower fraud risk, platform fraud risk, platform operation risk and so on, the existence of these risks may lead to fund chain break. In addition, there are the following main problems in the operation of P2P network loan in China: information is not open, liquidity is hidden, part of platform fraud, self-financing, cheating lenders, from small loans to large financing mode, default risk concentration; Lack of talent and risk quantification tools, low risk management skills, etc. This paper takes Lending Club as an example to detail the risk control of borrowers, and compares it with the typical P2P network lending platforms in China, such as point melting network and e-Zanbao risk management control, before borrowing from borrowers. Compared with the risk management after borrowing, the paper puts forward some solutions to the problems, such as network security, the proportion of online and offline business, system construction and so on.
【學(xué)位授予單位】：湘潭大學(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)：1794142