【摘要】：P2P網(wǎng)貸是國內(nèi)近幾年新興起來的網(wǎng)絡(luò)金融形式,自2006、07年開始國內(nèi)陸續(xù)出現(xiàn)了多個P2P網(wǎng)貸企業(yè)平臺,至2013年我國P2P網(wǎng)貸步入高速發(fā)展期。然而由于P2P網(wǎng)貸行業(yè)體制以及國家在互聯(lián)網(wǎng)金融方面進(jìn)行的法律及規(guī)范定制尚未完成,因此P2P網(wǎng)貸仍存在較多的監(jiān)管問題。與此同時,在缺乏監(jiān)管的前提下,P2P網(wǎng)貸市場的發(fā)展也缺乏規(guī)范性,大量新晉企業(yè)為了追求市場占比,忽略了借款人償債風(fēng)險問題,大量采用高風(fēng)險的自建信用機制,很容易產(chǎn)生資金鏈斷裂問題,例如2013年至今國內(nèi)倒閉的P2P網(wǎng)貸平臺就超過100家,涉及貸款人資金損失超過30億元。本文通過對國內(nèi)P2P網(wǎng)貸行業(yè)中影響力較高的企業(yè)進(jìn)行風(fēng)險量化分析來為其風(fēng)險管理提出相關(guān)建議和策略。在研究過程中,本文對P2P網(wǎng)貸的發(fā)展過程、特點以及基本風(fēng)險進(jìn)行了探討,指出目前P2P企業(yè)網(wǎng)貸業(yè)務(wù)的主要風(fēng)險在于運營保障、投資人利益保障、借款人信用、業(yè)務(wù)操作等幾個方面,用于構(gòu)建公司最為基本的風(fēng)險管理體系框架。而后基于層次分析法,針對P2P企業(yè)網(wǎng)貸設(shè)立風(fēng)險度量準(zhǔn)則層運營風(fēng)險、投資人利益風(fēng)險、借款人信用風(fēng)險和業(yè)務(wù)操作風(fēng)險,并設(shè)計四大項風(fēng)險評估指標(biāo)以及具體的指標(biāo)構(gòu)成權(quán)重及評分方法,從而完成評估模型設(shè)計。然后運用該模型對P2P企業(yè)網(wǎng)貸業(yè)務(wù)風(fēng)險進(jìn)行基本的量化評分和分析,并提出了五項風(fēng)險管理策略,即建立風(fēng)險檢測體系、實施日常風(fēng)險報告、全面實行資金第三方托管、創(chuàng)新理財產(chǎn)品組合、加強風(fēng)險意識文化建設(shè)等。
[Abstract]:P2P network loan is a newly emerging network finance form in China in recent years. Since 2006, 2007, there have been many P2P network loan enterprise platforms in China. In 2013, P2P network loan in our country stepped into a period of rapid development. However, due to the system of P2P network loan industry and the customization of national laws and regulations in the area of Internet finance, there are still many problems in the supervision of P2P network loan. At the same time, under the premise of lack of supervision, the development of P2P network loan market is also lack of standardization. In order to pursue market share, a large number of new enterprises ignore the problem of borrower's debt repayment risk, and adopt a large number of self-built credit mechanism with high risk. It is easy to break the capital chain. For example, more than 100 P2P lending platforms have collapsed in China since 2013, involving more than 3 billion yuan in capital losses to lenders. In this paper, the risk quantification analysis of the domestic P2P network loan industry is carried out to put forward the relevant suggestions and strategies for the risk management. In the course of the research, this paper discusses the development process, characteristics and basic risks of P2P network loan, and points out that the main risks of P2P enterprise network loan business are operation security, investor benefit protection, borrower credit, and so on. Business operations and other aspects, used to build the company's most basic risk management system framework. Then, based on the Analytic hierarchy process (AHP), we set up a risk measurement criterion for P2P enterprise network loan, which includes operation risk, investor benefit risk, borrower credit risk and business operation risk. Four risk assessment indexes and specific index constitute weight and scoring method are designed to complete the design of evaluation model. Then the model is used to evaluate and analyze the risk of P2P network loan business, and five risk management strategies are put forward, that is, establishing a risk detection system, carrying out daily risk report, and implementing the third party custody of funds in an all-round way. Innovate financial management product mix, strengthen the construction of risk consciousness culture, etc.
【學(xué)位授予單位】：華東師范大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F724.6;F832.4

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