本文選題：P2P　切入點(diǎn)：投融資　出處：《沈陽理工大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：近幾年,中國的互聯(lián)網(wǎng)飛速發(fā)展,伴隨著這種新型的信息方式,商業(yè)模式也隨之發(fā)生巨大改變,如著名的淘寶網(wǎng),是最前沿的也是最典型的P2P商業(yè)模式,這種傳統(tǒng)的實(shí)體經(jīng)濟(jì)竟然也可以線上交易,這種變化在中國算是一場(chǎng)互聯(lián)網(wǎng)革命,這場(chǎng)革命不僅給人們帶來了驚喜,也改革了商業(yè)交易模式。除了傳統(tǒng)業(yè)務(wù)的巨大變革之外,P2P模式在金融方面的影響也是非常巨大的,中國P2P網(wǎng)絡(luò)借貸的產(chǎn)生就是受益于這場(chǎng)互聯(lián)網(wǎng)革命。P2P網(wǎng)絡(luò)借貸作為一種新的投融資方式,代表了現(xiàn)代金融互聯(lián)網(wǎng)化發(fā)展的的最新趨勢(shì),也是社會(huì)經(jīng)濟(jì)發(fā)展到一定程度后的必然要求。由于P2P網(wǎng)貸發(fā)展歷史不長(zhǎng),尚未形成完整且全面的P2P網(wǎng)絡(luò)借貸風(fēng)險(xiǎn)管理體系,而有效的風(fēng)險(xiǎn)管理體系是維護(hù)P2P網(wǎng)貸生存和發(fā)展的重要基礎(chǔ),也是經(jīng)濟(jì)社會(huì)穩(wěn)定和發(fā)展的一項(xiàng)重要工作。因此研究P2P網(wǎng)貸的風(fēng)險(xiǎn)管理具有一定新穎性和重要的經(jīng)濟(jì)社會(huì)意義。本文是以風(fēng)險(xiǎn)管理理論為指導(dǎo),以通遼市民間借貸服務(wù)中心P2P平臺(tái)的風(fēng)險(xiǎn)管理體系為研究對(duì)象,采用檔案分析法、輔以訪談法和現(xiàn)場(chǎng)觀察法,主要P2P網(wǎng)貸平臺(tái)的風(fēng)險(xiǎn)管理和防范進(jìn)行全面細(xì)致的分析研究,研究發(fā)現(xiàn),通遼市民間借貸服務(wù)中心風(fēng)險(xiǎn)管理存在的問題有:業(yè)務(wù)操作不規(guī)范,風(fēng)險(xiǎn)管理專業(yè)化不足、人員隊(duì)伍建設(shè)不足、缺少激勵(lì)機(jī)制、借貸失衡、間接市場(chǎng)風(fēng)險(xiǎn)、信用管理制度不健全、信用評(píng)級(jí)不完善、逾期率和壞賬率高。本文分析這些問題形成的原因,提出了一套適合通遼市民間借貸服務(wù)中心的解決方案。
[Abstract]:In recent years, with the rapid development of the Internet in China, along with this new type of information, the business model has undergone tremendous changes, such as the famous Taobao, which is the most advanced and typical P2P business model. This kind of traditional real economy can also be traded online. This kind of change is regarded as an Internet revolution in China. This revolution has not only brought people a pleasant surprise. The business transaction model has also been reformed. In addition to the tremendous changes in traditional business, the financial impact of the P2P model is also very great. The emergence of P2P network lending in China is benefiting from the Internet revolution. P2P network lending, as a new investment and financing method, represents the latest trend of the development of modern financial Internet. Due to the short history of P2P network loan development, a complete and comprehensive P2P network lending risk management system has not yet been formed. An effective risk management system is an important foundation to maintain the survival and development of P2P network loans. It is also an important work of economic and social stability and development. Therefore, the research on risk management of P2P network loan has a certain novelty and important economic and social significance. Taking the risk management system of P2P platform of Tongliao folk loan service center as the research object, adopting file analysis method, supplemented by interview method and field observation method, the risk management and prevention of main P2P network loan platform are analyzed and studied comprehensively and meticulously. It is found that the problems of risk management in Tongliao folk lending service center are: irregular operation, insufficient specialization of risk management, insufficient construction of personnel, lack of incentive mechanism, imbalance of loan and indirect market risk. The credit management system is not perfect, the credit rating is not perfect, the overdue rate and the bad debt rate are high. This paper analyzes the causes of these problems, and puts forward a set of solutions suitable for the folk loan service center in Tongliao City.
【學(xué)位授予單位】：沈陽理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.4;F724.6

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 姚良;陳文;;美國P2P監(jiān)管的啟示[J];中國金融;2015年07期

2 郭衛(wèi)東;李穎;;網(wǎng)絡(luò)借貸平臺(tái)P2P模式探索[J];中國流通經(jīng)濟(jì);2014年06期

3 鄭蓓;;P2P網(wǎng)絡(luò)貸款模式及其風(fēng)險(xiǎn)管理[J];湖北科技學(xué)院學(xué)報(bào);2014年06期

4 辛碩;;關(guān)于p2p的風(fēng)險(xiǎn)控制的探討[J];市場(chǎng)周刊(理論研究);2014年05期

5 賈希凌;馬秋萍;;P2P網(wǎng)貸平臺(tái)的主要風(fēng)險(xiǎn)及防范策略[J];上海商學(xué)院學(xué)報(bào);2014年02期

6 劉麗麗;;我國P2P網(wǎng)絡(luò)借貸的風(fēng)險(xiǎn)和監(jiān)管問題探討[J];征信;2013年11期

7 楊婕;;互聯(lián)網(wǎng)金融背景下P2P網(wǎng)絡(luò)借貸平臺(tái)的風(fēng)險(xiǎn)管理研究[J];東方企業(yè)文化;2013年19期

8 馮果;蔣莎莎;;論我國P2P網(wǎng)絡(luò)貸款平臺(tái)的異化及其監(jiān)管[J];法商研究;2013年05期

9 婁飛鵬;;國內(nèi)外P2P網(wǎng)絡(luò)借貸平臺(tái)比較分析及建議[J];中國金融電腦;2013年09期

10 王國梁;;互聯(lián)網(wǎng)金融P2P網(wǎng)絡(luò)借貸模式的風(fēng)險(xiǎn)和監(jiān)管路徑探析[J];科技視界;2013年25期

相關(guān)碩士學(xué)位論文 前3條

1 薛群群;國內(nèi)外P2P小額信貸企業(yè)運(yùn)營(yíng)模式研究及實(shí)例分析[D];中央民族大學(xué);2013年

2 魏寶柱;網(wǎng)絡(luò)交易中個(gè)人信用評(píng)價(jià)研究[D];吉林大學(xué);2008年

3 車泓;民間借貸風(fēng)險(xiǎn)管理研究[D];青島大學(xué);2006年

，

本文編號(hào)：1643880