本文選題：P2P網(wǎng)貸 + 信用風險管理��； 參考：《對外經(jīng)濟貿(mào)易大學》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)絡平臺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)貸的存在是對傳統(tǒng)金融體系的有效補充，具有金融普惠性。 近年來，國內(nèi)的P2P網(wǎng)貸平臺發(fā)展非常迅猛。截止8月底，全國正在運營的平臺達1357家，不少網(wǎng)貸平臺的年交易額達到數(shù)十億元。在快速發(fā)展的同時，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“跑路”現(xiàn)象，同時由于風險控制技術不成熟，不少平臺壞賬情況嚴重甚至因管理不善而被迫關閉，給投資人帶來不少損失。由此可見建立全面、有效、完備的風險管理體系及監(jiān)管機制對網(wǎng)貸平臺發(fā)展至關重要。 本文采用實證分析和規(guī)范分析相結(jié)合、定性分析和定量分析相結(jié)合等方法，針對國內(nèi)P2P網(wǎng)貸平臺的模式特征和風險類別研究了網(wǎng)貸平臺的風險管理體系，得到一些有意義的結(jié)論，并在此基礎上對P2P網(wǎng)貸的監(jiān)管提出相關建議。 本文研究的主要內(nèi)容和結(jié)論如下： 1.分析了國內(nèi)主流P2P網(wǎng)貸平臺的業(yè)務模式，根據(jù)它們的特征，分析并總結(jié)了這些網(wǎng)貸平臺面臨的風險類別以及成因機制。在平臺面臨的諸多風險中，信用風險為主要風險之一。 2.根據(jù)國內(nèi)P2P網(wǎng)貸平臺的實踐經(jīng)驗，建立了網(wǎng)貸平臺信用風險管理的基本框架，按照貸前信用風險審核、貸中風險監(jiān)控和貸后風險管理等三階段研究了平臺的信用風險管理體系。 其中貸前風險控制主要表現(xiàn)為設立基本準入條件，通過外部信息、數(shù)據(jù)分析對申請人信息真實性及資質(zhì)進行核查，，貸中及貸后管理則是通過對資產(chǎn)質(zhì)量的監(jiān)控和預警及時發(fā)現(xiàn)并控制風險。 3.在總結(jié)國外P2P網(wǎng)貸平臺監(jiān)管經(jīng)驗的基礎上結(jié)合我國P2P網(wǎng)貸現(xiàn)狀，闡述監(jiān)管的對行業(yè)信用風險控制的意義，從行業(yè)自律自查、建立法規(guī)與制度、完善征信體質(zhì)及市場凈化四個角度提出了監(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.
【學位授予單位】：對外經(jīng)濟貿(mào)易大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F724.6;F832.4

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