發(fā)布時間：2018-03-09 01:12

  本文選題：互聯(lián)網金融　切入點：P2P網絡借貸平臺　出處：《浙江大學》2017年碩士論文　論文類型：學位論文

【摘要】：借助民間借貸和互聯(lián)網金融的持續(xù)升溫的態(tài)勢,P2P網絡借貸迅速發(fā)展,為個人及中小企業(yè)的融資提供了便利,成為公眾心中借貸及理財?shù)氖走x。P2P網貸行業(yè)發(fā)展迅速,同樣實現(xiàn)高速衍生擴散的就是行業(yè)本身引發(fā)的多重風險,諸如信用風險、法律風險等。行業(yè)高風險的特性還體現(xiàn)在運營平臺出現(xiàn)非法吸收公眾存款、平臺私自設立資金池以及龐氏騙局現(xiàn)象等方面。問題網貸企業(yè)的出現(xiàn),引發(fā)了關于如何確保行業(yè)健康發(fā)展的討論,怎樣有效監(jiān)控P2P網貸行業(yè)風險也被提上了議程。本文以P2P小額借貸為研究對象,對網絡借貸發(fā)展歷程、風險監(jiān)控等國內外相關研究成果進行歸納總結,結合目前行業(yè)現(xiàn)狀,按照運營模式差異對P2P網絡借貸平臺進行分類,并對比分析了行業(yè)中不同運營理念的P2P網絡借貸平臺的運作模式、利率、收費方式、風控機制等具體內容。根據(jù)網絡借貸行業(yè)現(xiàn)存問題進行分析,從法律風險、信用風險、操作風險、市場風險和流動性風險等五個方面入手探究問題產生的原因,以紅嶺創(chuàng)投為例進行實例分析,研判行業(yè)風險生成原因。解讀國家最新政策結合監(jiān)控要求以及網絡借貸行業(yè)風險特征,針對性地提出促成行業(yè)健康發(fā)展的監(jiān)控模式,再參照發(fā)達國家的先進監(jiān)控體系及經驗,提出科學系統(tǒng)的監(jiān)控建議,完善風險監(jiān)控方法。結合系統(tǒng)的理論知識和詳實的數(shù)據(jù)積累,通過分析國內現(xiàn)行的監(jiān)管趨勢和監(jiān)管要求,同時借鑒國外P2P行業(yè)監(jiān)管的成功經驗,本文針對現(xiàn)有的金融監(jiān)管體系和現(xiàn)狀,研判在實行新的監(jiān)管辦法后我國P2P網絡借貸風險監(jiān)控體系的不足之處并提出完善的網貸監(jiān)控建議。針對風險來源,本文提出對于平臺外部風險需加強政府監(jiān)管力度,對于平臺內部出現(xiàn)的風險就需要建設平臺自身的風險控制體系。政府監(jiān)管需要從明確監(jiān)管部門、監(jiān)控模式、制定相關法律法規(guī)、實現(xiàn)平臺與征信系統(tǒng)對接等幾個方面入手;平臺防控體系建設需考慮加強平臺評級制度、提高網絡環(huán)境安全性、準備風險保證金、提高對用戶的審核等方面。結合內因外因,從多個方面入手,希望促進P2P行業(yè)可持續(xù)健康發(fā)展。
[Abstract]:With the help of the rising trend of private lending and Internet finance, the rapid development of P2P network lending has facilitated the financing of individuals and small and medium-sized enterprises, and has become the first choice for lending and financing in the public mind. The P2P network loan industry has developed rapidly. It is also the multiple risks caused by the industry itself, such as credit risk, legal risk, etc. The high risk characteristics of the industry are also reflected in the illegal absorption of public deposits on the operating platform. The emergence of Internet loan companies has led to a discussion on how to ensure the healthy development of the industry. How to effectively monitor the risk of P2P network lending industry has also been put on the agenda. This paper takes P2P small loans as the research object, summarizes the development of network lending, risk monitoring and other related research results at home and abroad, combined with the current situation of the industry. According to the difference of operation mode, the paper classifies the P2P network lending platform, and compares and analyzes the operation mode, interest rate and charging method of the P2P network loan platform with different operating concepts in the industry. Based on the analysis of the existing problems in the network lending industry, the causes of the problems are explored from five aspects: legal risk, credit risk, operational risk, market risk and liquidity risk. Taking Hongling Venture Capital as an example to analyze and judge the causes of industrial risks, to interpret the latest national policies and the characteristics of risks in the network lending industry, and to put forward the monitoring mode to promote the healthy development of the industry. Then referring to the advanced monitoring system and experience of the developed countries, the paper puts forward some suggestions for scientific system monitoring, consummates the risk monitoring method, combines the theoretical knowledge of the system and the accumulation of detailed data, analyzes the current domestic supervision trends and regulatory requirements, At the same time, referring to the successful experience of foreign P2P industry supervision, this paper aims at the existing financial supervision system and current situation. After the implementation of the new supervision measures, the deficiencies of the P2P network loan risk monitoring system in China are analyzed and some suggestions are put forward to improve the network loan monitoring system. According to the risk sources, this paper puts forward the need to strengthen the government supervision for the external risks of the platform. For the risks that appear inside the platform, we need to build the risk control system of the platform itself. The government supervision needs to clear the supervision department, monitor the mode, formulate the relevant laws and regulations, and realize the docking between the platform and the credit information system. The construction of platform prevention and control system should consider strengthening the platform rating system, improving the security of the network environment, preparing the risk margin, improving the audit of the user, and so on. Hope to promote the sustainable and healthy development of P2P industry.
【學位授予單位】：浙江大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F724.6;F832.4;TP393.09

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