本文選題：P2P網(wǎng)絡(luò)借貸平臺(tái) + 風(fēng)險(xiǎn)評(píng)估　； 參考：《天津科技大學(xué)》2017年碩士論文

【摘要】：P2P網(wǎng)絡(luò)借貸即"Peer to Peer Lending",我國(guó)銀監(jiān)會(huì)將其稱為“人人貸”,它不依賴于傳統(tǒng)的金融機(jī)構(gòu),而是通過(guò)互聯(lián)網(wǎng)平臺(tái)實(shí)現(xiàn)借貸雙方的直接交易,它的經(jīng)營(yíng)理念起源于尤努斯教授在孟加拉國(guó)創(chuàng)辦的“鄉(xiāng)村銀行”。2016年是P2P網(wǎng)絡(luò)借貸在國(guó)內(nèi)的發(fā)展的第九個(gè)年頭,經(jīng)歷行業(yè)的快速生長(zhǎng),到目前整個(gè)網(wǎng)貸行業(yè)的貸款規(guī)模已經(jīng)實(shí)現(xiàn)由零到萬(wàn)億的飛躍。P2P借貸在我國(guó)監(jiān)管力度不足,加之社會(huì)信用體系不健全,缺乏對(duì)借款方信用風(fēng)險(xiǎn)防范和借貸平臺(tái)內(nèi)部控制的風(fēng)險(xiǎn)控制體系。但自2015年底,政府部門(mén)先后出臺(tái)了《網(wǎng)絡(luò)借貸信息中介機(jī)構(gòu)業(yè)務(wù)活動(dòng)管理暫行辦法(征求意見(jiàn)稿)》、《北京市互聯(lián)網(wǎng)金融風(fēng)險(xiǎn)專項(xiàng)整治工作實(shí)施方案》、《網(wǎng)絡(luò)借貸資金存管業(yè)務(wù)指引》等一系列監(jiān)管政策文件,旨在通過(guò)嚴(yán)格準(zhǔn)入管理、強(qiáng)化資金監(jiān)測(cè)、整治不正當(dāng)競(jìng)爭(zhēng)等對(duì)P2P行業(yè)的多個(gè)方面進(jìn)行綜合整治。想要繼續(xù)在P2P網(wǎng)絡(luò)借貸行業(yè)中增加或保持市場(chǎng)份額,與其他同行業(yè)的網(wǎng)貸平臺(tái)爭(zhēng)奪優(yōu)質(zhì)資產(chǎn)和客戶,保持平臺(tái)利潤(rùn)穩(wěn)健增長(zhǎng),除了業(yè)務(wù)轉(zhuǎn)型和升級(jí)的舉措外,加強(qiáng)平臺(tái)的風(fēng)控體系建設(shè)應(yīng)當(dāng)是當(dāng)前P2P平臺(tái)管理的重中之中。本文從我國(guó)P2P網(wǎng)絡(luò)借貸發(fā)展現(xiàn)狀和我國(guó)P2P網(wǎng)絡(luò)借貸的運(yùn)營(yíng)模式入手,首先對(duì)國(guó)內(nèi)外P2P網(wǎng)絡(luò)借貸風(fēng)險(xiǎn)評(píng)估方法進(jìn)行了對(duì)比,其次分析了我國(guó)P2P網(wǎng)絡(luò)借貸平臺(tái)的風(fēng)險(xiǎn)評(píng)估方法目前還存在的一些問(wèn)題,然后,通過(guò)比較分析法、理論和實(shí)證分析相結(jié)合、定性和定量分析相結(jié)合的方法,重點(diǎn)通過(guò)因子分析法,對(duì)我國(guó)P2P網(wǎng)絡(luò)借貸平臺(tái)的風(fēng)險(xiǎn)評(píng)估方法進(jìn)行了改良和優(yōu)化,構(gòu)建了一個(gè)網(wǎng)絡(luò)借貸平臺(tái)的風(fēng)險(xiǎn)評(píng)估體系。最后,對(duì)我國(guó)P2P網(wǎng)絡(luò)借貸平臺(tái)的風(fēng)險(xiǎn)控制提出了對(duì)策建議。
[Abstract]:P2P network lending is called "Peer to Peer Lending", which is referred to by China Banking Regulatory Commission as "everyone's loan". It does not rely on traditional financial institutions, but realizes the direct transaction between the two parties through the Internet platform. Its business philosophy stems from the "Grameen Bank" founded by Professor Yunus in Bangladesh. 2016 is the ninth year of P2P online lending in China, experiencing rapid growth in the industry. Up to now, the loan scale of the entire network lending industry has achieved a leap from zero to trillion yuan. P2P lending has not been adequately regulated in our country, and the social credit system is not perfect. It lacks the risk control system to prevent the credit risk of the borrower and the internal control of the lending platform. But since the end of 2015, Government departments have successively promulgated the interim measures for the Management of Business activities of Network Lending Information intermediary institutions (draft for soliciting opinions), the implementation Plan for the Special rectification of Internet Financial risks in Beijing, and the Guide to the Business Management of Network Lending funds A series of regulatory policy documents, The purpose of this paper is to comprehensively regulate many aspects of P2P industry, such as strict admission management, strengthening of fund monitoring and regulation of unfair competition. To continue to increase or maintain market share in the P2P network lending industry, compete with other online lending platforms of the same industry for quality assets and customers, and maintain steady growth in the platform's profits, in addition to the business transformation and upgrading initiatives, Strengthening the construction of the platform's wind control system should be the most important part of the current P2P platform management. This paper begins with the development of P2P network lending in China and the operation mode of P2P network lending in China. Firstly, it compares the domestic and foreign P2P network lending risk assessment methods. Secondly, it analyzes some problems existing in the risk assessment methods of P2P network lending platform in China, and then, through comparative analysis, theoretical and empirical analysis, qualitative and quantitative analysis of the combination of methods. The risk assessment method of P2P network lending platform in China is improved and optimized by factor analysis method, and a risk assessment system of network loan platform is constructed. Finally, the paper puts forward some countermeasures and suggestions on the risk control of P2P network lending platform in China.
【學(xué)位授予單位】：天津科技大學(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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