發(fā)布時間：2018-04-27 00:26

  本文選題：COSO-ERM(2016) + MD網(wǎng)貸平臺　； 參考：《安徽大學(xué)》2017年碩士論文

【摘要】：2000年之后隨著互聯(lián)網(wǎng)技術(shù)的引入與推廣,以銀行業(yè)為主的傳統(tǒng)金融業(yè)受到了巨大沖擊,出現(xiàn)了大規(guī)模的裁員、降薪、關(guān)店行為。在這種大背景下,互聯(lián)網(wǎng)金融應(yīng)運而生,即P2P,Peer-to-Peer Lending,為個人與個人之間在平臺上發(fā)布的用資需求與投資意向的碰撞交易。P2P網(wǎng)貸最初誕生于英國,初衷是實現(xiàn)普惠金融,然而依托于虛擬網(wǎng)絡(luò)的資金交易,終究還是伴隨著一定的風(fēng)險。2014年之后,中國出現(xiàn)了眾多P2P平臺跑路的現(xiàn)象,頻現(xiàn)失聯(lián)、提現(xiàn)困難、停業(yè)等問題,擾亂了社會經(jīng)濟秩序。這很大程度上是由于平臺的風(fēng)險管理做的不到位,良好的風(fēng)控水平是P2P致勝的關(guān)鍵,因此構(gòu)建P2P網(wǎng)貸平臺的風(fēng)險管理框架有很大重要性和必要性。本文第一章為緒論。第二章提出P2P網(wǎng)貸與金融風(fēng)險的概念和理論基礎(chǔ),對比分析了 2004年與2016年版COSO-ERM框架的異同。第三章引入案例,即MD網(wǎng)貸平臺,介紹平臺概況和現(xiàn)有的風(fēng)險管理水平。第四章為核心章節(jié),構(gòu)建出依托于COSO-ERM(2016)的"立方體"風(fēng)險管理框架,詳細介紹了框架中風(fēng)險管理的目標、五要素、全流程與參與者,充分展示了MD平臺的全面風(fēng)險管理水平。第五章為案例建議與啟示,在此提出了對MD平臺的建議并表達了對社會外界一些期望。最后一章為研究結(jié)論與展望,高度概況本文的研究成果,并提出本文的局限與不足。COSO-ERM框架是全球企業(yè)風(fēng)險管理的典范,本文以MD借貸平臺為例,在理論上依托最新COSO-ERM(2016)框架,構(gòu)建了 MD平臺的風(fēng)險管理框架,并具體展示該框架的應(yīng)用,這是本文的重點,也是創(chuàng)新點。本文得出如下結(jié)論:P2P企業(yè)需要平衡風(fēng)險與收益率,風(fēng)險管理能力是P2P企業(yè)的生命,利用COSO-ERM框架構(gòu)建風(fēng)管體系是大勢所趨。
[Abstract]:After 2000, with the introduction and promotion of Internet technology, the traditional financial industry, which is dominated by the banking industry, has suffered a great impact, resulting in large-scale layoffs, wage cuts and shop closures. In this context, Internet finance emerged as the times require, that is, P2PnP Peer-to-Peer Lending.P2P net loan was originally born in the United Kingdom to realize inclusive finance for the collision transaction between individuals and individuals on the platform of capital demand and investment intention. However, the capital transaction based on the virtual network is still accompanied by certain risks. After 2014, there have been many P2P platforms running the road in China, frequently missing, difficult to withdraw, closed down and other problems, which has disturbed the social and economic order. This is largely due to the risk management of the platform is not in place, good risk control level is the key to the success of P2P, so it is very important and necessary to build the risk management framework of P2P network loan platform. The first chapter is the introduction. In the second chapter, the concept and theoretical basis of P2P network loan and financial risk are put forward, and the similarities and differences between 2004 and 2016 version of COSO-ERM framework are compared and analyzed. The third chapter introduces the case, that is, MD net loan platform, introduces the general situation of the platform and the existing level of risk management. The fourth chapter is the core chapter, constructs the "cube" risk management framework relying on COSO-ERM2016), introduces the goal, five elements, the whole process and the participants of the risk management in the framework in detail, fully demonstrates the overall risk management level of MD platform. The fifth chapter is case suggestion and inspiration, and puts forward some suggestions to MD platform and expresses some expectations to the outside world. The last chapter is the conclusion and prospect of the research, the research results of this paper are summarized, and the limitations and shortcomings of this paper. COSO-ERM framework is the model of global enterprise risk management. This paper takes MD lending platform as an example, and theoretically relies on the latest COSO-ERM2016) framework. The risk management framework of MD platform is constructed, and the application of this framework is demonstrated. This paper draws the following conclusions: P2P enterprises need to balance the risk and yield, risk management ability is the life of P2P enterprises, and it is the trend to construct the air duct system by using COSO-ERM framework.
【學(xué)位授予單位】：安徽大學(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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