本文選題：P2P網(wǎng)絡(luò)借貸 + 融資可得性　； 參考：《廣東工業(yè)大學(xué)》2017年碩士論文

【摘要】：P2P網(wǎng)絡(luò)借貸(Peer-to-Peer Lending)是一種基于互聯(lián)網(wǎng),通過(guò)網(wǎng)絡(luò)借貸平臺(tái)達(dá)成借貸雙方交易的信息金融服務(wù)模式。這種網(wǎng)絡(luò)借貸模式最早發(fā)源于西方國(guó)家,如美國(guó)的Prosper和英國(guó)的Zopa。Prosper和Zopa經(jīng)過(guò)數(shù)十年的發(fā)展,具備方便快捷和友好的操作界面、較低且差異化的借款利率,在國(guó)際P2P網(wǎng)絡(luò)借貸領(lǐng)域中享有最高的聲譽(yù)。在我國(guó),P2P網(wǎng)絡(luò)借貸市場(chǎng)自2007年開(kāi)始成立,十年間,也涌現(xiàn)出大批優(yōu)秀的借貸平臺(tái),如拍拍貸、人人貸、宜人貸等。中低收入階層及有借款需求的小微企業(yè)往往借款規(guī)模較小風(fēng)險(xiǎn)較大,使得其從銀行借款相對(duì)較難,那么,新的融資方式即P2P網(wǎng)絡(luò)借貸可以幫助其擺脫融資困境,尋求融資出路。P2P網(wǎng)絡(luò)借貸市場(chǎng)發(fā)展迅速,但同時(shí)也面臨著以下三個(gè)問(wèn)題:第一、網(wǎng)絡(luò)借貸平臺(tái)上借款人的借款成功率相對(duì)較低;第二、網(wǎng)絡(luò)借貸平臺(tái)上借款人的融資成本遠(yuǎn)遠(yuǎn)高于銀行同期借款利率;第三、網(wǎng)絡(luò)借貸平臺(tái)大量興起,伴隨著風(fēng)險(xiǎn)平臺(tái)的倒閉跑路,使得借款人和投資者資金安全無(wú)法得到可靠保障,那么,對(duì)于投資者來(lái)說(shuō),選擇相對(duì)安全的綜合評(píng)級(jí)較高的網(wǎng)絡(luò)借貸平臺(tái)尤為重要。P2P網(wǎng)絡(luò)借貸市場(chǎng)以借貸平臺(tái)作為中介,借貸雙方之間存在嚴(yán)重的信息不對(duì)稱(chēng),導(dǎo)致較低的借款成功率和較高的借款利率。那么,降低借款人和投資者之間的信息不對(duì)稱(chēng)成為網(wǎng)絡(luò)借貸市場(chǎng)發(fā)展的重點(diǎn),借款人若提供表現(xiàn)較好的硬信息和軟信息,則能夠有效地緩解借貸雙方的信息不對(duì)稱(chēng)程度。本文擬通過(guò)對(duì)國(guó)內(nèi)外文獻(xiàn)和相關(guān)理論的收集和整理,以拍拍貸作為相關(guān)網(wǎng)絡(luò)借貸問(wèn)題的研究平臺(tái)。首先,將影響借款人融資的因素劃分為借款基本信息、硬信息和軟信息三大變量,運(yùn)用理論和實(shí)證研究相結(jié)合的方式找出影響借款人融資成功率和融資成本高低的因素,并提出提高融資成功率和降低融資成本的可行性建議。其次,從資金分散度、資金流動(dòng)性和資金杠桿率三個(gè)方面對(duì)網(wǎng)絡(luò)借貸平臺(tái)的風(fēng)險(xiǎn)控制水平進(jìn)行因子分析評(píng)價(jià),將影響借貸平臺(tái)綜合評(píng)級(jí)的因素濃縮為四個(gè)公共因子,對(duì)平臺(tái)的風(fēng)險(xiǎn)大小進(jìn)行綜合評(píng)分和排名,促使各網(wǎng)絡(luò)借貸平臺(tái)通過(guò)建立自身風(fēng)險(xiǎn)控制系統(tǒng)以提高自身抵抗風(fēng)險(xiǎn)能力,成為借貸雙方愿意交易的安全平臺(tái),在此基礎(chǔ)上,給予投資者選擇優(yōu)質(zhì)平臺(tái)進(jìn)行投資交易的建議,為網(wǎng)絡(luò)借貸市場(chǎng)的健康發(fā)展提出市場(chǎng)監(jiān)管建議。
[Abstract]:Peer-to-Peer lending (Peer-to-Peer lending) is an information financial service model based on the Internet, which makes transactions between borrowers and borrowers through online lending platforms. This online lending model originated in western countries, such as Prosper in the United States and Zopa.Prosper and Zopa in the United Kingdom. After decades of development, it has a convenient, fast and friendly operating interface and low and differentiated borrowing rates. In the international P2P network lending field enjoys the highest reputation. Since the establishment of P2P network lending market in China in 2007, a large number of excellent lending platforms have emerged in the past ten years, such as PPDAI, peer-to-peer lending, pleasant loans and so on. Low- and middle-income groups and small and micro enterprises with borrowing needs tend to borrow on a smaller scale, making it relatively difficult for them to borrow from banks. Therefore, new forms of financing, namely P2P network lending, can help them get out of their financing predicament. P2P network lending market is developing rapidly, but it also faces the following three problems: first, borrowers on the online lending platform have relatively low success rate of borrowing; second, The financing cost of the borrowers on the online lending platform is far higher than the interest rate of the bank borrowing in the same period. Thirdly, the rise of the online lending platform, accompanied by the collapse of the risk platform, makes the security of the borrower and investors can not be guaranteed reliably. Well, for investors, it is particularly important to choose a relatively safe network lending platform with a higher comprehensive rating. The P2P network lending market uses the lending platform as an intermediary, and there is serious information asymmetry between the two parties. This leads to lower success rates and higher interest rates. Therefore, reducing the information asymmetry between borrowers and investors has become the focus of the development of online lending market. If borrowers provide better hard information and soft information, they can effectively alleviate the information asymmetry between borrowers and borrowers. Based on the collection and collation of domestic and foreign literature and related theories, this paper takes PPDAI as the research platform of online lending. First of all, the factors that affect the borrower's financing are divided into three variables: the basic information of loan, the hard information and the soft information, and the factors that affect the borrower's financing success rate and financing cost are found out by the combination of theory and empirical research. And put forward the feasibility suggestion of raising the financing success rate and reducing the financing cost. Secondly, factor analysis and evaluation are carried out on the risk control level of the network lending platform from three aspects of capital dispersion, capital liquidity and capital leverage ratio. The factors that affect the comprehensive rating of the lending platform are concentrated into four public factors. The risk scale of the platform is evaluated and ranked synthetically, which urges each network lending platform to establish its own risk control system to improve its ability to resist risks and become a safe platform for both parties willing to trade, and on this basis, To give investors a choice of quality platform for investment trading advice for the healthy development of the online lending market market regulatory advice.
【學(xué)位授予單位】：廣東工業(yè)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

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 吳佳哲;;基于羊群效應(yīng)的P2P網(wǎng)絡(luò)借貸模式研究[J];國(guó)際金融研究;2015年11期

2 李從剛;童中文;曹筱玨;;基于BP神經(jīng)網(wǎng)絡(luò)的P2P網(wǎng)貸市場(chǎng)信用風(fēng)險(xiǎn)評(píng)估[J];管理現(xiàn)代化;2015年04期

3 王長(zhǎng)江;楊金葉;;P2P網(wǎng)絡(luò)借貸的風(fēng)險(xiǎn)與監(jiān)管模式研究[J];經(jīng)濟(jì)縱橫;2015年04期

4 盧馨;李慧敏;;P2P網(wǎng)絡(luò)借貸的運(yùn)行模式與風(fēng)險(xiǎn)管控[J];改革;2015年02期

5 李朝暉;;我國(guó)P2P網(wǎng)絡(luò)借貸與小微企業(yè)融資關(guān)系的實(shí)證研究[J];現(xiàn)代經(jīng)濟(jì)探討;2015年02期

6 彭冰;;P2P網(wǎng)貸與非法集資[J];金融監(jiān)管研究;2014年06期

7 王會(huì)娟;廖理;;中國(guó)P2P網(wǎng)絡(luò)借貸平臺(tái)信用認(rèn)證機(jī)制研究——來(lái)自“人人貸”的經(jīng)驗(yàn)證據(jù)[J];中國(guó)工業(yè)經(jīng)濟(jì);2014年04期

8 錢(qián)金葉;楊飛;;中國(guó)P2P網(wǎng)絡(luò)借貸的發(fā)展現(xiàn)狀及前景[J];金融論壇;2012年01期

9 于瑞峰;任艷敏;王雨;劉麗文;;基于供應(yīng)鏈的企業(yè)信貸風(fēng)險(xiǎn)評(píng)估研究[J];中國(guó)管理科學(xué);2007年03期

10 葛超豪;葛學(xué)健;;銀行信貸風(fēng)險(xiǎn)評(píng)估計(jì)量模型探討[J];統(tǒng)計(jì)與決策;2005年24期

，

本文編號(hào)：1812855