【摘要】：近年來(lái),隨著互聯(lián)網(wǎng)技術(shù)在實(shí)體經(jīng)濟(jì)的廣泛應(yīng)用,"互聯(lián)網(wǎng)+"思維逐漸滲透到金融領(lǐng)域,互聯(lián)網(wǎng)金融應(yīng)運(yùn)而生。P2P網(wǎng)絡(luò)借貸是一種區(qū)別于傳統(tǒng)金融的創(chuàng)新金融平臺(tái),自2007年我國(guó)第一家P2P平臺(tái)"拍拍貸"成立之后,平臺(tái)數(shù)量迅速增加,截至2017年2月份,在線運(yùn)營(yíng)數(shù)量高達(dá)2335家,網(wǎng)貸余額創(chuàng)歷史新高。在P2P行業(yè)規(guī)模不斷擴(kuò)張的同時(shí),風(fēng)險(xiǎn)也在不斷的暴露,平臺(tái)跑路、資金鏈斷裂的現(xiàn)象屢見(jiàn)不鮮。本文以國(guó)內(nèi)外文獻(xiàn)為切入點(diǎn),通過(guò)系統(tǒng)地學(xué)習(xí)P2P平臺(tái)風(fēng)險(xiǎn)管理理論,借鑒前人對(duì)P2P平臺(tái)風(fēng)險(xiǎn)管理的研究方法和研究成果,在此基礎(chǔ)上將全面風(fēng)險(xiǎn)管理理論、P2P基礎(chǔ)理論作為文章的理論依據(jù)。通過(guò)深入分析國(guó)內(nèi)P2P平臺(tái)在信用風(fēng)險(xiǎn)、操作風(fēng)險(xiǎn)等方面采取的具體措施,認(rèn)為我國(guó)P2P平臺(tái)在風(fēng)險(xiǎn)控制方面主要存在三大問(wèn)題:在信用風(fēng)險(xiǎn)控制中,貸后資金用途缺乏監(jiān)管導(dǎo)致借款人從事高風(fēng)險(xiǎn)的投資;在法律風(fēng)險(xiǎn)控制中,行業(yè)監(jiān)管體系缺失、配套設(shè)施不健全導(dǎo)致P2P平臺(tái)缺乏外部監(jiān)管;在操作風(fēng)險(xiǎn)中,因中間賬戶資金被挪用的風(fēng)險(xiǎn)難以控制,而導(dǎo)致平臺(tái)跑路的現(xiàn)象。點(diǎn)融網(wǎng)作為國(guó)內(nèi)發(fā)展速度最快的P2P平臺(tái),代表目前P2P平臺(tái)發(fā)展的特性,它在風(fēng)險(xiǎn)管理方面具有典型性。因此本文將選取點(diǎn)融網(wǎng)作為案例,分析其存在的風(fēng)險(xiǎn)以及采取的風(fēng)險(xiǎn)控制措施,得出點(diǎn)融網(wǎng)在合規(guī)風(fēng)險(xiǎn)控制和信用風(fēng)險(xiǎn)控制中存在的問(wèn)題。通過(guò)分析問(wèn)題產(chǎn)生的原因并結(jié)合全面風(fēng)險(xiǎn)管理理論為其設(shè)計(jì)出全面風(fēng)險(xiǎn)管理體系。這對(duì)于構(gòu)建我國(guó)P2P平臺(tái)的風(fēng)險(xiǎn)管理體系具有實(shí)踐意義。
[Abstract]:In recent years, with the wide application of Internet technology in the real economy, the thinking of "Internet" is gradually infiltrating into the financial field. Internet finance emerges as the times require. P2P network lending is a kind of innovative financial platform, which is different from traditional finance. Since the establishment of PPDAI, the first P2P platform in China in 2007, the number of platforms has increased rapidly. As of February 2017, the number of online operations has reached 2335, and the balance of net loans has reached a record high. While the scale of P2P industry is expanding, the risks are exposed constantly. The phenomenon of platform running and capital chain breaking is common. Based on the domestic and foreign literature, this paper systematically studies the theory of P2P platform risk management, and draws lessons from the previous research methods and research results of P2P platform risk management. On this basis, the overall risk management theory and P2P basic theory as the theoretical basis of the article. Through in-depth analysis of the specific measures taken by domestic P2P platforms in the aspects of credit risk and operational risk, it is concluded that there are three main problems in the risk control of our country's P2P platform: in the credit risk control, The lack of supervision on the use of loan funds leads borrowers to engage in high-risk investment; in the legal risk control, the lack of industry regulatory system, inadequate supporting facilities lead to the lack of external supervision of P2P platform; in the operational risk, Due to the risk of misappropriation of funds in intermediate accounts is difficult to control, leading to platform running phenomenon. As the fastest developing P2P platform in China, point melt network represents the characteristics of P2P platform development at present, and it is typical in risk management. Therefore, this paper selects the point network as a case, analyzes its existing risks and risk control measures, and obtains the problems in compliance risk control and credit risk control. By analyzing the causes of the problem and combining with the theory of overall risk management, a comprehensive risk management system is designed. This has practical significance for constructing the risk management system of P2P platform in our country.
【學(xué)位授予單位】：哈爾濱商業(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 孫小梅;;基于互聯(lián)網(wǎng)金融背景的P2P網(wǎng)絡(luò)借貸平臺(tái)的風(fēng)險(xiǎn)管理分析[J];商場(chǎng)現(xiàn)代化;2016年16期

2 王爽;楊帆;;我國(guó)P2P網(wǎng)絡(luò)借貸的風(fēng)險(xiǎn)管理研究[J];現(xiàn)代商業(yè);2016年03期

3 謝平;鄒傳偉;劉海二;;互聯(lián)網(wǎng)金融的基礎(chǔ)理論[J];金融研究;2015年08期

4 賈麗平;邵利敏;;P2P網(wǎng)絡(luò)借貸的監(jiān)管邊界:理論探討與中國(guó)的檢驗(yàn)[J];經(jīng)濟(jì)社會(huì)體制比較;2015年03期

5 劉然;;我國(guó)P2P網(wǎng)絡(luò)借貸平臺(tái)的法律性質(zhì)[J];法學(xué)雜志;2015年04期

6 趙昕;;我國(guó)P2P網(wǎng)絡(luò)借貸業(yè)務(wù)風(fēng)險(xiǎn)淺析[J];全國(guó)商情(經(jīng)濟(jì)理論研究);2015年05期

7 劉繪;沈慶R，

本文編號(hào)：2191656