本文選題：P2P借貸平臺(tái)　切入點(diǎn)：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(shí)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(tái)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(diǎn)對(duì)點(diǎn)、便利、快捷的特點(diǎn)有效緩解了我國(guó)中小企業(yè)融資難的窘境,促進(jìn)了社會(huì)資金分配更加平等、合理,是我國(guó)傳統(tǒng)金融體系的有益補(bǔ)充。當(dāng)然,目前P2P借貸的快速發(fā)展是市場(chǎng)需求的必然趨勢(shì),但法律的缺失、政府監(jiān)管的缺失使P2P借貸平臺(tái)肆意泛濫、倒閉潮不止,風(fēng)險(xiǎn)隱患使平臺(tái)未來的發(fā)展危機(jī)四伏。因此,對(duì)于投資者、P2P借貸平臺(tái)、乃至于整個(gè)金融體系,對(duì)風(fēng)險(xiǎn)進(jìn)行有效評(píng)估及控制、建立合理的P2P借貸平臺(tái)風(fēng)險(xiǎn)防控機(jī)制就變得至關(guān)重要。首先,本文介紹P2P借貸平臺(tái)內(nèi)部風(fēng)險(xiǎn)管理的國(guó)內(nèi)外相關(guān)理論,闡述內(nèi)部風(fēng)險(xiǎn)管理的相關(guān)理論基礎(chǔ),對(duì)內(nèi)部風(fēng)險(xiǎn)識(shí)別方法、內(nèi)部風(fēng)險(xiǎn)評(píng)估技術(shù)及內(nèi)部風(fēng)險(xiǎn)控制手段進(jìn)行詳細(xì)的介紹;然后對(duì)A公司相關(guān)背景、概況以及該公司的內(nèi)部風(fēng)險(xiǎn)管理控制現(xiàn)狀進(jìn)行客觀性的描述,并根據(jù)內(nèi)部風(fēng)險(xiǎn)管理理論對(duì)該公司的內(nèi)部風(fēng)險(xiǎn)管理控制活動(dòng)進(jìn)行深入的分析;接著根據(jù)內(nèi)部風(fēng)險(xiǎn)識(shí)別的相關(guān)理論知識(shí),利用專家調(diào)查法與層次分析法對(duì)A公司進(jìn)行內(nèi)部風(fēng)險(xiǎn)識(shí)別,得出影響A公司的內(nèi)部風(fēng)險(xiǎn)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(xiǎn)評(píng)估的指標(biāo)體系,通過模糊綜合評(píng)價(jià)法對(duì)A公司內(nèi)部風(fēng)險(xiǎn)進(jìn)行度量,并從中得到A公司的內(nèi)部風(fēng)險(xiǎn)處于可控的水平。最后根據(jù)內(nèi)部風(fēng)險(xiǎn)度量的結(jié)果提出了針對(duì)內(nèi)部風(fēng)險(xiǎn)的具體應(yīng)對(duì)措施,以降低A公司的內(nèi)部風(fēng)險(xiǎn),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(diǎn)是通過內(nèi)部風(fēng)險(xiǎn)管理理論和實(shí)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(xiǎn)因素,并提出了內(nèi)部風(fēng)險(xiǎn)應(yīng)對(duì)措施,對(duì)以A公司為代表的P2P借貸平臺(tái)企業(yè)的健康成長(zhǎng)具有比較重要的現(xiàn)實(shí)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(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F724.6;F832.4

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本文編號(hào)：1721030