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

【摘要】：自從中國引入P2P網(wǎng)絡(luò)借貸模式以來,P2P平臺一直處在野蠻生長階段,在這十年中由零快速成長到了將近四千家。2015年7月,經(jīng)黨中央、國務(wù)院同意,中央銀行等多個部門共同印發(fā)了《關(guān)于促進(jìn)互聯(lián)網(wǎng)金融健康發(fā)展的指導(dǎo)意見》,用來規(guī)范互聯(lián)網(wǎng)金融的健康發(fā)展,此后能繼續(xù)正常運(yùn)行的P2P平臺銳減至兩千五百多家。這些問題平臺多數(shù)是因為自身的風(fēng)險管理能力不強(qiáng),導(dǎo)致提現(xiàn)困難,資金難以為繼,不得已只能倒閉關(guān)門。而且今后國家會不斷加大力度清理P2P網(wǎng)絡(luò)借貸市場,因此現(xiàn)在還能正常運(yùn)行的平臺只有努力提高平臺自身風(fēng)險管理能力,改善自身風(fēng)險管理體系,才可以有實力在這次市場掃蕩中保存下來,才可以推動整個行業(yè)的健康發(fā)展。該文通過研究該行業(yè)現(xiàn)在已有的成果,發(fā)現(xiàn)關(guān)于此課題的研究多以P2P行業(yè)的風(fēng)險管理作為研究對象或者是以經(jīng)營純信用貸款業(yè)務(wù)的P2P借貸平臺的風(fēng)險管理作為案例分析,而缺少針對以經(jīng)營抵押貸款為主要業(yè)務(wù)的P2P借貸平臺風(fēng)險管理的案例分析。因此,該文選取了TNW網(wǎng)絡(luò)借貸平臺作為案例研究其風(fēng)險管理。TNW網(wǎng)絡(luò)借貸平臺是一個非常優(yōu)秀的平臺,在網(wǎng)絡(luò)借貸之家的綜合評定排名前十,在盈利能力、經(jīng)營模式、風(fēng)險管理等方面都做得不錯。該平臺經(jīng)營車輛抵押貸款、房屋抵押貸款、個人信用貸款,其中車輛抵押貸款為其主要經(jīng)營業(yè)務(wù)。學(xué)者一般認(rèn)為,有抵押物的貸款比純信用的貸款風(fēng)險要小,因此經(jīng)營抵押貸款的平臺比經(jīng)營純信用貸款的平臺更為穩(wěn)健。但是,在創(chuàng)新型的金融模式下,即便是經(jīng)營抵押貸款的穩(wěn)健型平臺也仍然存在風(fēng)險問題。該文站在這個角度對TNW網(wǎng)絡(luò)借貸平臺的風(fēng)險管理進(jìn)行研究,識別出其存在的風(fēng)險,對風(fēng)險進(jìn)行分析和評估,并提出相應(yīng)的解決方法,以幫助TNW網(wǎng)絡(luò)借貸平臺實現(xiàn)健康發(fā)展。同時也希望能夠?qū)ζ渌鸓2P網(wǎng)絡(luò)借貸平臺,乃至整個P2P行業(yè)有借鑒的作用。該文采用了文獻(xiàn)分析法和案例研究法等方法對TNW網(wǎng)絡(luò)借貸平臺的風(fēng)險管理進(jìn)行研究,發(fā)現(xiàn)TNW網(wǎng)絡(luò)借貸平臺的主營車貸業(yè)務(wù)在信用風(fēng)險、操作風(fēng)險等方面存在問題。該文認(rèn)為其存在問題的原因主要是因為信息不對稱、盲目擴(kuò)張市場、平臺工作人員素質(zhì)不高。該文為TNW網(wǎng)絡(luò)借貸平臺在完善貸前、貸中、貸后風(fēng)險管理等方面提出了具體的建議。作者希望經(jīng)過對TNW網(wǎng)絡(luò)借貸平臺風(fēng)險管理這個案例的研究,能夠提出適合中國P2P網(wǎng)絡(luò)借貸平臺有效可行的風(fēng)險管理辦法,并希望能同時給P2P網(wǎng)絡(luò)借貸行業(yè)的穩(wěn)健發(fā)展提供一點(diǎn)幫助。
[Abstract]:Since the introduction of the P2P network lending model in China, the P2P platform has been in a stage of savage growth, from zero to nearly 4,000 in this decade. In July 2015, with the approval of the CPC Central Committee and the State Council, The Central Bank and other departments have jointly issued the guidelines on promoting the healthy Development of Internet Finance, which is used to standardize the healthy development of Internet Finance. Since then, the number of P2P platforms that can continue to operate has plummeted to more than 2500. Most of these problem platforms are because their own risk management ability is not strong, resulting in cash difficulties, capital is unsustainable, had to close down. Moreover, in the future, the country will continue to increase efforts to clean up the P2P network lending market. Therefore, the platform that can still operate normally now has to strive to improve the platform's own risk management capability and improve its own risk management system. In order to have the strength in this market sweep to preserve, can promote the healthy development of the entire industry. By studying the existing achievements of this industry, this paper finds that the research on this subject is mostly based on the risk management of P2P industry or the risk management of P2P lending platform which is engaged in pure credit loan business as a case study. However, there is a lack of case study on risk management of P2P lending platform in which mortgage is the main business. Therefore, this paper selects TNW Network Lending platform as a case study of its risk management. TNW Network Lending platform is a very excellent platform. Risk management and other aspects are doing well. The platform operates on vehicle mortgages, home mortgages, and personal credit loans, of which vehicle mortgages are its main business. Scholars generally believe that mortgage loans are less risky than pure credit loans, so the platform of managing mortgage loans is more stable than that of pure credit loans. However, under the innovative financial model, even the robust platform of operating mortgage still has the risk problem. From this point of view, this paper studies the risk management of TNW network lending platform, identifies its existing risks, analyzes and evaluates the risks, and puts forward corresponding solutions to help the TNW network lending platform achieve a healthy development. At the same time, I hope it can be used for reference to other P2P network lending platforms and even the whole P2P industry. This paper uses the methods of literature analysis and case study to study the risk management of TNW network lending platform, and finds that there are some problems in the credit risk and operation risk of the main vehicle loan business of the TNW network loan platform. This paper argues that the main causes of the problems are information asymmetry, blind expansion of the market and poor quality of the platform staff. This paper puts forward some concrete suggestions on how to improve the risk management of TNW network lending platform before, during and after lending. The author hopes that by studying the case of risk management of TNW network lending platform, the author can put forward effective and feasible risk management methods suitable for China's P2P network lending platform. And hope can at the same time provide a little help to the steady development of P2P network lending industry.
【學(xué)位授予單位】：湘潭大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.4;F724.6

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相關(guān)期刊論文 前1條

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本文編號：1812078