本文選題：P2P網(wǎng)貸 + 信用風(fēng)險(xiǎn)管理��； 參考：《對(duì)外經(jīng)濟(jì)貿(mào)易大學(xué)》2014年碩士論文

【摘要】：P2P網(wǎng)貸是一種新型互聯(lián)網(wǎng)借貸模式，利用網(wǎng)絡(luò)平臺(tái)為擁有閑置資金的貸款人和具有資金需求的借款人牽線搭橋。P2P網(wǎng)貸的存在是對(duì)傳統(tǒng)金融體系的有效補(bǔ)充，具有金融普惠性。 近年來，國(guó)內(nèi)的P2P網(wǎng)貸平臺(tái)發(fā)展非常迅猛。截止8月底，全國(guó)正在運(yùn)營(yíng)的平臺(tái)達(dá)1357家，不少網(wǎng)貸平臺(tái)的年交易額達(dá)到數(shù)十億元。在快速發(fā)展的同時(shí)，行業(yè)也暴露了不少問題：在缺乏有效監(jiān)管的環(huán)境下出現(xiàn)部分平臺(tái)“跑路”現(xiàn)象，同時(shí)由于風(fēng)險(xiǎn)控制技術(shù)不成熟，不少平臺(tái)壞賬情況嚴(yán)重甚至因管理不善而被迫關(guān)閉，給投資人帶來不少損失。由此可見建立全面、有效、完備的風(fēng)險(xiǎn)管理體系及監(jiān)管機(jī)制對(duì)網(wǎng)貸平臺(tái)發(fā)展至關(guān)重要。 本文采用實(shí)證分析和規(guī)范分析相結(jié)合、定性分析和定量分析相結(jié)合等方法，針對(duì)國(guó)內(nèi)P2P網(wǎng)貸平臺(tái)的模式特征和風(fēng)險(xiǎn)類別研究了網(wǎng)貸平臺(tái)的風(fēng)險(xiǎn)管理體系，得到一些有意義的結(jié)論，并在此基礎(chǔ)上對(duì)P2P網(wǎng)貸的監(jiān)管提出相關(guān)建議。 本文研究的主要內(nèi)容和結(jié)論如下： 1.分析了國(guó)內(nèi)主流P2P網(wǎng)貸平臺(tái)的業(yè)務(wù)模式，根據(jù)它們的特征，分析并總結(jié)了這些網(wǎng)貸平臺(tái)面臨的風(fēng)險(xiǎn)類別以及成因機(jī)制。在平臺(tái)面臨的諸多風(fēng)險(xiǎn)中，信用風(fēng)險(xiǎn)為主要風(fēng)險(xiǎn)之一。 2.根據(jù)國(guó)內(nèi)P2P網(wǎng)貸平臺(tái)的實(shí)踐經(jīng)驗(yàn)，建立了網(wǎng)貸平臺(tái)信用風(fēng)險(xiǎn)管理的基本框架，按照貸前信用風(fēng)險(xiǎn)審核、貸中風(fēng)險(xiǎn)監(jiān)控和貸后風(fēng)險(xiǎn)管理等三階段研究了平臺(tái)的信用風(fēng)險(xiǎn)管理體系。 其中貸前風(fēng)險(xiǎn)控制主要表現(xiàn)為設(shè)立基本準(zhǔn)入條件，通過外部信息、數(shù)據(jù)分析對(duì)申請(qǐng)人信息真實(shí)性及資質(zhì)進(jìn)行核查，，貸中及貸后管理則是通過對(duì)資產(chǎn)質(zhì)量的監(jiān)控和預(yù)警及時(shí)發(fā)現(xiàn)并控制風(fēng)險(xiǎn)。 3.在總結(jié)國(guó)外P2P網(wǎng)貸平臺(tái)監(jiān)管經(jīng)驗(yàn)的基礎(chǔ)上結(jié)合我國(guó)P2P網(wǎng)貸現(xiàn)狀，闡述監(jiān)管的對(duì)行業(yè)信用風(fēng)險(xiǎn)控制的意義，從行業(yè)自律自查、建立法規(guī)與制度、完善征信體質(zhì)及市場(chǎng)凈化四個(gè)角度提出了監(jiān)管建議。
[Abstract]:P2P network loan is a new type of Internet loan mode. The existence of P2P network loan is an effective supplement to the traditional financial system and has the financial universality by using the network platform to connect the lenders with idle funds and borrowers with capital demand. In recent years, the domestic P2P network loan platform is developing very rapidly. By the end of August, the number of platforms in operation nationwide reached 1357, and the annual turnover of many online lending platforms reached billions of yuan. At the same time of rapid development, the industry has also exposed a lot of problems: in the absence of effective regulatory environment, some platforms "run" phenomenon, at the same time because the risk control technology is not mature, Many platform bad debts are serious and even forced to close due to poor management, bringing a lot of losses to investors. It can be seen that the establishment of a comprehensive, effective and complete risk management system and regulatory mechanism is essential to the development of the network loan platform. This paper studies the risk management system of domestic P2P network loan platform by combining empirical analysis with normative analysis, qualitative analysis and quantitative analysis. Some meaningful conclusions are obtained, and on the basis of this, some suggestions on the supervision of P2P network loan are put forward. The main contents and conclusions of this paper are as follows: 1. This paper analyzes the business models of the main P2P network loan platforms in China, and according to their characteristics, analyzes and summarizes the risk categories and the formation mechanism of these platforms. Among the many risks faced by the platform, credit risk is one of the main risks. Based on the practical experience of domestic P2P network loan platform, the basic framework of credit risk management of network loan platform is established. The credit risk management system of the platform is studied according to the three stages of credit risk audit before loan, risk monitoring in loan and risk management after loan. Among them, pre-credit risk control is mainly manifested in the establishment of basic access conditions, the verification of the authenticity and qualification of applicant information through external information and data analysis, Loan and loan management is through the quality of assets monitoring and early warning timely detection and control of risk. 3. On the basis of summing up the supervision experience of foreign P2P network loan platform, combining with the present situation of P2P network loan in our country, this paper expounds the significance of supervision on the control of industry credit risk, and sets up laws and regulations and rules and regulations from the self-examination of industry self-discipline. Perfect credit investigation constitution and market purify four angles to put forward the supervision suggestion.
【學(xué)位授予單位】：對(duì)外經(jīng)濟(jì)貿(mào)易大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F724.6;F832.4

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本文編號(hào)：2064778