本文選題：P2P借貸平臺　切入點：內(nèi)部　出處：《昆明理工大學(xué)》2017年碩士論文

【摘要】：P2P借貸是資金供需雙方以互聯(lián)網(wǎng)為信息渠道實現(xiàn)資金融通的金融服務(wù)中介,是出資人通過第三方平臺將資金貸給有借款需求一方的網(wǎng)絡(luò)借貸模式。P2P借貸點對點、便利、快捷的特點有效緩解了我國中小企業(yè)融資難的窘境,促進了社會資金分配更加平等、合理,是我國傳統(tǒng)金融體系的有益補充。當然,目前P2P借貸的快速發(fā)展是市場需求的必然趨勢,但法律的缺失、政府監(jiān)管的缺失使P2P借貸平臺肆意泛濫、倒閉潮不止,風(fēng)險隱患使平臺未來的發(fā)展危機四伏。因此,對于投資者、P2P借貸平臺、乃至于整個金融體系,對風(fēng)險進行有效評估及控制、建立合理的P2P借貸平臺風(fēng)險防控機制就變得至關(guān)重要。首先,本文介紹P2P借貸平臺內(nèi)部風(fēng)險管理的國內(nèi)外相關(guān)理論,闡述內(nèi)部風(fēng)險管理的相關(guān)理論基礎(chǔ),對內(nèi)部風(fēng)險識別方法、內(nèi)部風(fēng)險評估技術(shù)及內(nèi)部風(fēng)險控制手段進行詳細的介紹;然后對A公司相關(guān)背景、概況以及該公司的內(nèi)部風(fēng)險管理控制現(xiàn)狀進行客觀性的描述,并根據(jù)內(nèi)部風(fēng)險管理理論對該公司的內(nèi)部風(fēng)險管理控制活動進行深入的分析;接著根據(jù)內(nèi)部風(fēng)險識別的相關(guān)理論知識,利用專家調(diào)查法與層次分析法對A公司進行內(nèi)部風(fēng)險識別,得出影響A公司的內(nèi)部風(fēng)險因素。接著通過數(shù)據(jù)和置信度的選擇,構(gòu)建A公司內(nèi)部風(fēng)險評估的指標體系,通過模糊綜合評價法對A公司內(nèi)部風(fēng)險進行度量,并從中得到A公司的內(nèi)部風(fēng)險處于可控的水平。最后根據(jù)內(nèi)部風(fēng)險度量的結(jié)果提出了針對內(nèi)部風(fēng)險的具體應(yīng)對措施,以降低A公司的內(nèi)部風(fēng)險,保證以A公司為代表的P2P借貸企業(yè)的健康發(fā)展。本文的創(chuàng)新點是通過內(nèi)部風(fēng)險管理理論和實例分析,在全面研究A公司的基礎(chǔ)上,深入剖析了影響A公司發(fā)展的主要內(nèi)部風(fēng)險因素,并提出了內(nèi)部風(fēng)險應(yīng)對措施,對以A公司為代表的P2P借貸平臺企業(yè)的健康成長具有比較重要的現(xiàn)實意義。
[Abstract]:The quick characteristic has effectively alleviated our country small and medium-sized enterprise financing difficult predicament, promoted the social fund distribution to be more equal, reasonable, is our country traditional financial system beneficial supplement.Of course, the rapid development of P2P lending is the inevitable trend of market demand, but the lack of law and government supervision make P2P lending platform rampant, the tide of closure, the potential risks of the platform in the future development crisis.Therefore, it is very important for investors to evaluate and control the risk effectively and establish a reasonable mechanism of risk prevention and control for P2P lending platform and even the whole financial system.First of all, this paper introduces the internal risk management theory of P2P lending platform at home and abroad, expounds the relevant theoretical basis of internal risk management, and identifies the internal risk.The internal risk assessment technology and internal risk control methods are introduced in detail. Then the background, general situation and internal risk management control status of A company are described objectively.According to the theory of internal risk management, the internal risk management and control activities of the company are deeply analyzed, and then according to the relevant theoretical knowledge of internal risk identification,Using the method of expert investigation and analytic hierarchy process to identify the internal risk of company A, the internal risk factors affecting company A are obtained.Then, through the choice of data and confidence, the index system of internal risk assessment of company A is constructed, and the internal risk of company A is measured by fuzzy comprehensive evaluation method, and the internal risk of company A is controlled.Finally, according to the results of internal risk measurement, the paper puts forward specific countermeasures to reduce the internal risk of company A and ensure the healthy development of P2P lending enterprises represented by A company.The innovation of this paper is to analyze the main internal risk factors that affect the development of company A on the basis of a comprehensive study of the internal risk management theory and case analysis, and put forward the internal risk countermeasures.It has important practical significance for the healthy growth of P2P lending platform enterprises represented by A Company.
【學(xué)位授予單位】：昆明理工大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F724.6;F832.4

【參考文獻】

相關(guān)期刊論文 前10條

1 李政美;;我國P2P網(wǎng)貸的風(fēng)險及控制[J];中國管理信息化;2016年11期

2 何宇辰;;我國P2P網(wǎng)絡(luò)借貸的發(fā)展與監(jiān)管制度研究[J];時代金融;2016年12期

3 梁穎嫣;張興旺;陳璐;;P2P借貸平臺的十字路口[J];時代金融;2016年12期

4 王月娟;;對互聯(lián)網(wǎng)金融P2P網(wǎng)絡(luò)借貸行業(yè)的風(fēng)險分析[J];現(xiàn)代經(jīng)濟信息;2016年08期

5 畢沛然;;普惠金融下P2P借貸平臺的運營模式及發(fā)展策略[J];中國集體經(jīng)濟;2015年06期

6 董妍;;互聯(lián)網(wǎng)金融風(fēng)險控制以P2P網(wǎng)貸平臺為視角[J];商業(yè)經(jīng)濟研究;2015年03期

7 孫同陽;謝朝陽;;基于決策樹的P2P網(wǎng)貸信用風(fēng)險評價[J];商業(yè)經(jīng)濟研究;2015年02期

8 王會娟;何琳;;借款描述對P2P網(wǎng)絡(luò)借貸行為影響的實證研究[J];金融經(jīng)濟學(xué)研究;2015年01期

9 劉繪;沈慶R，

本文編號：1721030