我国P2P网络借贷风险防控制度研究

发布时间：2018-05-05 07:24

本文选题：P2P网络借贷 + 风险分析　；参考：《新疆财经大学》2016年硕士论文

【摘要】：中小企业是我国国民经济的重要组成部分,是市场经济中最为活跃的细胞,对国民经济和社会发展具有重要的战略意义。但中小企业由于规模相对较小,经营的不稳定性大、自身抵御风险能力差等特点而无法得到传统金融机构的服务,存在着融资难的问题。P2P网络借贷,一种将信息技术与互联网技术充分结合的新型金融模式,拓宽了中小企业的融资渠道,一定程度上缓解了中小企业融资难的困境。但也要注意的是,P2P网络借贷繁荣发展的同时,一直面临着法律缺失、监管空白、无行业自律等问题,平台自身也存在着借贷资金监控缺位,信贷审核机制不健全、内控制度不完善、信息披露制度缺失等诸多问题。网贷之家数据截止2015年末,全国平台数量共计2595家,问题平台数量达到896家。那P2P网络网贷行业如何进行风险防范,监管部门对这个新兴行业如何进行有效监管,来促进这种新的金融模式能够健康、有序的发展,是目前P2P行业亟需解决的重要问题。本文主要运用文献综述法、比较研究法对网络借贷的运营模式、发展现状、存在的主要风险及如何进行有效风险防控等方面进行分析研究:一是较为全面的分析了P2P网络借贷面临的风险,主要分析了平台的法律风险、信用风险、操作风险和常规金融风险;二是提出了P2P网络借贷的风险防控的制度建设构想,在分析平台的风险基础上,结合P2P网贷发展良好的英美等国的监管经验,对网贷平台的风险提出防控对策与建议,希望通过这篇论文的分析和论述,为P2P网络借贷风险防控制度的设计提供一些有价值的参考,以促进网络借贷行业的健康有序的发展,继续为传统弱势群体提供融资服务,为社会经济发展作出贡献。
[Abstract]:As an important part of our national economy, small and medium-sized enterprises are the most active cells in the market economy and have important strategic significance for the development of national economy and society. However, because of its relatively small scale, large operating instability and poor ability to resist risks, SMEs can not get the services of traditional financial institutions. A new financial model which combines information technology with Internet technology widens the financing channels of small and medium-sized enterprises and alleviates to some extent the difficulty of financing for small and medium-sized enterprises. But we should also pay attention to the prosperity and development of P2P network lending, at the same time, it has been faced with legal deficiencies, regulatory gaps, no industry self-discipline and other issues. The platform itself also has a lack of monitoring and control of lending funds, and the credit audit mechanism is not perfect. Internal control system is not perfect, information disclosure system is missing and so on. By the end of 2015, there were 2595 platforms and 896 problem platforms. How to prevent the risks in the P2P network loan industry and how to supervise the new industry effectively to promote the healthy and orderly development of this new financial model is an important problem that the P2P industry urgently needs to solve. This article mainly uses the literature review method, the comparative research method to the network loan operation pattern, the development present situation, The main risks and how to carry out effective risk prevention and control are analyzed. First, the paper comprehensively analyzes the risks faced by P2P network lending, mainly analyzes the legal risk and credit risk of the platform. Operational risk and conventional financial risk. Second, the paper puts forward the concept of risk prevention and control of P2P network lending, based on the analysis of the risk of the platform, combined with the regulatory experience of countries such as the United States and the United States, where P2P network loans have developed well. Through the analysis and discussion of this paper, we hope to provide some valuable reference for the design of P2P network lending risk prevention and control system, in order to promote the healthy and orderly development of network lending industry. Continue to provide financing services to the traditional vulnerable groups and contribute to social and economic development.
【学位授予单位】：新疆财经大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：D922.28

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