本文選題：P2P + 借款方信用風(fēng)險(xiǎn)��； 參考：《安徽財(cái)經(jīng)大學(xué)》2016年碩士論文

【摘要】：過去的幾年中,P2P網(wǎng)絡(luò)借貸在我國快速發(fā)展,其實(shí)質(zhì)是民間借貸與互聯(lián)網(wǎng)相結(jié)合產(chǎn)生的一種創(chuàng)新金融服務(wù)。網(wǎng)貸行業(yè)的高收益吸引了越來越多的投資者,然而在我國的P2P網(wǎng)絡(luò)借貸的發(fā)展中,由于信用風(fēng)險(xiǎn)管理理念單薄,對(duì)借款人的信用風(fēng)險(xiǎn)的評(píng)估水平低下制約了我國P2P網(wǎng)貸行業(yè)的發(fā)展。目前我國P2P網(wǎng)絡(luò)借貸借款方信用風(fēng)險(xiǎn)評(píng)估的研究越來越深入,一些評(píng)估方法也被網(wǎng)貸平臺(tái)運(yùn)用到借款方信用風(fēng)險(xiǎn)的評(píng)估中,但仍然存在許多問題。一是借款方信用風(fēng)險(xiǎn)的評(píng)估指標(biāo)體系不健全;二是在評(píng)估中多采用單一的分析方法,這些都嚴(yán)重影響了借款方信用風(fēng)險(xiǎn)評(píng)估的準(zhǔn)確性,間接地影響了我國網(wǎng)貸行業(yè)的發(fā)展。首先本文主要講述了選題背景和意義以及對(duì)國內(nèi)外P2P網(wǎng)絡(luò)借貸借款方信用風(fēng)險(xiǎn)評(píng)估的文獻(xiàn)進(jìn)行綜述。通過借鑒前期學(xué)者的研究,發(fā)現(xiàn)目前我國P2P網(wǎng)絡(luò)借貸借款方信用風(fēng)險(xiǎn)評(píng)估研究中主要存在的問題,并提出了本文的研究思路和研究方法。通過對(duì)我國P2P網(wǎng)絡(luò)借貸的發(fā)展現(xiàn)狀及面臨的信用風(fēng)險(xiǎn)進(jìn)行深入的分析,發(fā)現(xiàn)了我國在P2P網(wǎng)絡(luò)借貸中還存在很大的信用風(fēng)險(xiǎn),著重分析了網(wǎng)絡(luò)借貸中借款方的信用風(fēng)險(xiǎn)。其次是對(duì)我國P2P網(wǎng)絡(luò)借貸借款方信用風(fēng)險(xiǎn)的評(píng)估方法和現(xiàn)狀進(jìn)行了研究。通過對(duì)傳統(tǒng)以及現(xiàn)代的借款方信用風(fēng)險(xiǎn)評(píng)估方法的分析和國內(nèi)外P2P網(wǎng)絡(luò)借貸借款方信用風(fēng)險(xiǎn)的評(píng)估方式和現(xiàn)狀進(jìn)行比較,發(fā)現(xiàn)了我國在P2P網(wǎng)絡(luò)借貸信用風(fēng)險(xiǎn)評(píng)估的不足之處,需要建立科學(xué)有效的方法對(duì)我國P2P網(wǎng)絡(luò)借貸借款方的信用風(fēng)險(xiǎn)進(jìn)行評(píng)估。再次是對(duì)AHP層次分析法和BP神經(jīng)網(wǎng)絡(luò)模型相關(guān)的理論基礎(chǔ)的研究以及信用風(fēng)險(xiǎn)評(píng)估指標(biāo)指標(biāo)體系的建立從而構(gòu)建了AHP-BP模型,用該模型對(duì)網(wǎng)絡(luò)借貸借款方的信用風(fēng)險(xiǎn)進(jìn)行研究。在建立模型時(shí),先單一運(yùn)用AHP方法將借款人信用風(fēng)險(xiǎn)的評(píng)估結(jié)果作為BP神經(jīng)網(wǎng)絡(luò)模型的輸出樣本,然后與BP神經(jīng)網(wǎng)絡(luò)模型的借款人信用風(fēng)險(xiǎn)的實(shí)際輸出值進(jìn)行比較,通過實(shí)證研究證明該模型的實(shí)用性和準(zhǔn)確性。最后是對(duì)全文的總結(jié)并對(duì)我國網(wǎng)貸借款方信用風(fēng)險(xiǎn)的防范提出了建議以及本文的不足之處和展望。
[Abstract]:In the past few years, P2P network lending has developed rapidly in China, and its essence is a kind of innovative financial service which is produced by the combination of private lending and Internet. The high income of the network loan industry attracts more and more investors. However, in the development of P2P network loan in our country, because of the weak idea of credit risk management, The low evaluation level of borrowers' credit risk restricts the development of P2P network loan industry in China. At present, the research on credit risk assessment of P2P network borrowers in China is more and more in-depth. Some evaluation methods are also applied to the credit risk assessment of borrowers by network loan platforms, but there are still many problems. First, the evaluation index system of the credit risk of the borrower is not perfect; second, the single analysis method is used in the evaluation, which seriously affects the accuracy of the credit risk assessment of the borrower and indirectly affects the development of the network loan industry in China. First of all, this paper mainly describes the background and significance of the topic and the domestic and foreign P2P network borrowers credit risk assessment literature review. By referring to the previous research, this paper finds out the main problems in the research of credit risk assessment of P2P network borrowers in China, and puts forward the research ideas and research methods of this paper. Based on the analysis of the current situation and credit risk of P2P network lending in China, it is found that there is still a great credit risk in P2P network lending in China, and the credit risk of borrowers in network lending is analyzed emphatically. Secondly, the paper studies the credit risk assessment methods and current situation of P2P network borrowers in China. Through the analysis of traditional and modern methods of credit risk assessment of borrowers and the comparison of the evaluation methods and present situation of credit risk of borrowers in P2P network at home and abroad, this paper finds out the shortcomings of credit risk assessment in P2P network in China. It is necessary to establish a scientific and effective method to evaluate the credit risk of Chinese P2P network borrowers. Thirdly, the paper studies the theoretical basis of AHP Analytic hierarchy process (AHP) and BP neural network model, and establishes the credit risk evaluation index system, and then constructs the AHP-BP model, which is used to study the credit risk of network borrowers. In the process of establishing the model, the evaluation result of borrower's credit risk is taken as the output sample of BP neural network model by AHP method, and then compared with the actual output value of borrower's credit risk of BP neural network model. The practicability and accuracy of the model are proved by empirical research. Finally, the paper summarizes the full text and puts forward some suggestions on how to prevent the credit risk of Chinese net loan borrowers, as well as the shortcomings and prospects of this paper.
【學(xué)位授予單位】：安徽財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2016
【分類號(hào)】：F724.6;F832.4

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