本文選題：P2P網(wǎng)貸 + 網(wǎng)貸風(fēng)險(xiǎn)　； 參考：《暨南大學(xué)》2015年碩士論文

【摘要】：伴隨著互聯(lián)網(wǎng)時(shí)代的到來(lái)和當(dāng)代科技工具的成熟運(yùn)用,如今正逐漸衍生出以互聯(lián)網(wǎng)平臺(tái)為依托、與傳統(tǒng)民間借貸體系截然不同的新型個(gè)人金融借貸模式,也就是“P2P”網(wǎng)絡(luò)信貸(Online Peer-to-Peer Lending)。中文稱之為“人人貸”,是個(gè)人對(duì)個(gè)人之間的貸款,由P2P網(wǎng)貸平臺(tái)為交易雙方提供相關(guān)的借貸服務(wù),讓借款人和貸款人借助互聯(lián)網(wǎng)平臺(tái)來(lái)達(dá)到借款和貸款目的的業(yè)務(wù)。這種模式不但可以為中小企業(yè)及個(gè)人的借款提供一個(gè)新型平臺(tái),為社會(huì)閑散資金持有者提供多樣的理財(cái)選擇,滿足投融資需求,而且還能提高整個(gè)社會(huì)閑散資金的利用效率,推動(dòng)資金流動(dòng),完善健全個(gè)人信用體系。然而,作為民間借貸的一種形式,P2P網(wǎng)貸也存在民間借貸中廣泛存在的風(fēng)險(xiǎn),加之所依托的互聯(lián)網(wǎng)平臺(tái)不確定性因素很多,使得風(fēng)險(xiǎn)被進(jìn)一步放大化。盡管P2P借貸平臺(tái)紛紛引入財(cái)付通、支付寶等第三方支付平臺(tái)對(duì)資金進(jìn)行監(jiān)管,以此來(lái)消除資金被挪用、侵占和隱匿的風(fēng)險(xiǎn),但是由于貸款缺乏有效的擔(dān)保方式,一旦借款人發(fā)生違約行為,或者P2P網(wǎng)貸平臺(tái)的運(yùn)營(yíng)出現(xiàn)問(wèn)題,那么投入資金的收回就無(wú)法得到保證。目前很多表面上運(yùn)營(yíng)狀況正常的P2P網(wǎng)貸平臺(tái)隨時(shí)有可能突然停止運(yùn)營(yíng)甚至跑路。對(duì)P2P網(wǎng)貸平臺(tái)而言,當(dāng)下亟待解決的問(wèn)題就是分析我國(guó)P2P網(wǎng)貸平臺(tái)存在的風(fēng)險(xiǎn),在此基礎(chǔ)上進(jìn)一步分析哪些因素和平臺(tái)風(fēng)險(xiǎn)有關(guān)系,從而有效地識(shí)別和預(yù)測(cè)P2P網(wǎng)貸平臺(tái)的風(fēng)險(xiǎn)并采取針對(duì)性的措施防范風(fēng)險(xiǎn)。與商業(yè)銀行等傳統(tǒng)金融機(jī)構(gòu)相對(duì)成熟的風(fēng)險(xiǎn)度量、防范體系相比,作為剛剛興起的新型金融借貸模式,國(guó)內(nèi)學(xué)者對(duì)P2P網(wǎng)貸風(fēng)險(xiǎn)的研究大多屬于定性分析和規(guī)則性的討論,集中于分析其好壞、是非及發(fā)展特點(diǎn)、趨勢(shì)等方面,少量的定量分析則集中在借款者的逾期率等方面,缺乏對(duì)整體的風(fēng)險(xiǎn)分類(lèi)、引致原因分析和評(píng)級(jí)上的思考。因此,本文試圖從不同的視角出發(fā),采用定量的方式分析影響我國(guó)P2P網(wǎng)貸平臺(tái)風(fēng)險(xiǎn)的因素,并在剖析各種風(fēng)險(xiǎn)的基礎(chǔ)上針對(duì)如何有效防范P2P網(wǎng)貸平臺(tái)風(fēng)險(xiǎn)提出建議。
[Abstract]:With the advent of the Internet era and the mature use of modern scientific and technological tools, a new personal financial lending model, which is based on the Internet platform and completely different from the traditional private lending system, is gradually emerging. That is, P2P online Peer-to-Peer lending. It is called "peer-to-peer lending". It is a kind of personal loan, which is provided by P2P network loan platform to provide loan service for both sides of the transaction, so that borrowers and lenders can use Internet platform to obtain loans and loans. This model can not only provide a new platform for small and medium-sized enterprises and individuals to borrow money, provide social idle fund holders with a variety of financial options to meet the needs of investment and financing, but also improve the efficiency of the utilization of idle funds in the whole society. Promote the flow of funds, improve and improve the personal credit system. However, as a form of private lending, P2P network lending also has the risk of widespread private lending, coupled with a lot of uncertainties on the Internet platform, which further magnify the risk. Although peer-to-peer lending platforms have introduced Tenpay, Alipay and other third-party payment platforms to supervise funds to eliminate the risk of misappropriation, embezzlement and concealment, but the loan lacks an effective guarantee method. Once the borrower defaults, or P2P network loan platform operation problems, then the return of investment can not be guaranteed. At present, many peer-to-peer loan platforms with normal operation condition may suddenly stop running or even run away at any time. For P2P network loan platform, the problem that needs to be solved is to analyze the risk of P2P network loan platform in our country, and on this basis, to further analyze which factors are related to the platform risk. Therefore, the risk of P2P network loan platform can be effectively identified and forecasted, and targeted measures are taken to prevent the risk. Compared with the relatively mature risk measurement and prevention system of traditional financial institutions such as commercial banks, as a newly emerging new financial lending model, most of the researches on P2P network loan risk by domestic scholars belong to qualitative analysis and regular discussion. Focusing on the analysis of its good and bad, right and wrong, development characteristics, trends and other aspects, a small amount of quantitative analysis is focused on the overdue rate of borrowers, lack of overall risk classification, leading to reason analysis and rating thinking. Therefore, this paper attempts to analyze the factors that affect the risk of P2P network lending platform in China from different angles of view, and puts forward some suggestions on how to effectively prevent the risk of P2P network loan platform based on the analysis of various risks.
【學(xué)位授予單位】：暨南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類(lèi)號(hào)】：F724.6;F832.4

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

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2 王楚s，

本文編號(hào)：1835038