我国P2P网络贷款行业风险防范研究

发布时间：2018-05-28 17:12

本文选题：P2P + 风险　；参考：《辽宁大学》2016年硕士论文

【摘要】：P2P网络借贷以互联网技术作为支撑,使得个人与个人之间的信息沟通、资源分享和资金融通变得更为便利与快捷,为很多无法从银行和其他借贷机构获取资金的融资者提供了一条新的融资渠道。自2005年诞生以来,P2P这种金融创新模式得到了市场的普遍认可,并且在世界范围内迅速传播。鉴于世界各国现行的的法律法规和经济形式不尽相同,P2P网络借贷在各个国家的本土化进程与运营模式也各有不同。当前,基于传统形态的我国网络借贷行业也衍变出了众多各有特色的“中国形态”,相较最初的传统形态而言,发生了一定程度的模式转变,给网络借贷行业的内部风险管理和外部金融监管变增加了不小的难度。我国金融监管部门对P2P等新的金融发展形式的态度是倾向于承认其合法性,并呼吁其阳光发展。而这种对网络借贷行业的发展保持一定程度上容忍的态度,却是一把双刃剑,在促使该行业在国内迅猛发展的同时,也逐步使得该行业的种种风险隐患一一暴露出来。中国互联网金融的不断发展,使得P2P在本土化的运营过程中,诸多水土不服现象开始凸显。最直接的表现是“违约”频现,“跑路”爆发。因为对P2P监管的主体机构刚刚被确立,还没有建立起相对完善规章制度,再者其行业内的风控手段较为单一,大量的粗制平台涌入P2P行业,为行业的阳光有序发展蒙上了一层阴影。为此,提高对P2P网络借贷平台的风险管控水平,成为了亟需解决的首要任务。2015年是P2P网络借贷行业飞速发展的一年,国内新平台数量屡创新高,借贷资金规模突破万亿元,参与人数之众不断刷新,P2P平台在全国多个省份落地开花,乍看上去是一片欣欣向荣的景象。但是,2015年同样是P2P网络借贷行业问题集中爆发的一年,无论是从问题平台数量还是涉及资金规模来说,都较2014年有了几何倍的增长,这一情况在不断对民众因股市熊市导致的本就脆弱的风险承受能力和投资信心进行打击的同时,也一遍又一遍地挑战着监管者的底线。应该说,P2P网络借贷行业的拐点就在眼前,要想革除积弊而不是就此沉沦,行业平台、监管者和投资者们还有很长的一段路要走。本文从近年来我国P2P行业的发展状况着眼,分析在P2P行业欣欣向荣的表象之下所掩盖的种种风险积弊、成因及影响,并对我国P2P网络借贷行业的风险防范提出了一定的建议,以期本行业能够阳光、有序、稳定地发展。
[Abstract]:P2P network lending is supported by Internet technology, which makes information communication, resource sharing and financing between individuals more convenient and faster. It provides a new source of financing for many who cannot access funds from banks and other lending institutions. Since its birth in 2005, Peer-to-Peer (P2P), a financial innovation model, has been widely accepted in the market and spread rapidly all over the world. In view of the fact that the current laws, regulations and economic forms of various countries are different, the localization process and operation mode of P2P network lending in different countries are also different. At present, China's network lending industry, based on the traditional form, has also evolved a large number of "Chinese forms" with its own characteristics. Compared with the original traditional forms, there has been a certain degree of pattern change. Network lending industry to the internal risk management and external financial regulation has increased the difficulty. The attitude of China's financial supervision department towards P2P and other new forms of financial development tends to recognize its legitimacy and call for its sunny development. However, this attitude of tolerance to the development of network lending industry is a double-edged sword, which promotes the rapid development of the industry in China, but also gradually exposes all kinds of risks and hidden dangers in the industry. With the continuous development of Internet finance in China, P2P in the local operation process, a lot of local phenomenon began to highlight. The most direct expression is the frequent occurrence of default and the outbreak of runaway. Because the main body of P2P supervision has just been established, it has not yet set up relatively perfect regulations and regulations, moreover, the wind control means in its industry are relatively single, and a large number of crude platforms pour into the P2P industry. For the industry's orderly development of the sun cast a shadow. Therefore, improving the risk control level of P2P network lending platform has become the first task that needs to be solved. 2015 is a year of rapid development of P2P network lending industry. The number of new domestic platforms has repeatedly reached new highs, and the scale of borrowing funds has exceeded trillion yuan. At first glance, the number of people involved in peer-to-peer platforms has blossomed in several provinces across the country. But 2015 was also a year of concentrated problems in the P2P online lending industry, which has grown exponentially since 2014, both in terms of the number of troubled platforms and the amount of money involved. While continuing to undermine the already fragile risk tolerance and investment confidence caused by the bear market in the stock market, the situation is challenging regulators' bottom line again and again. It should be said that P2P network lending industry inflection point in front of the corner, if you want to get rid of the legacy rather than sink, industry platform, regulators and investors still have a long way to go. Based on the development of P2P industry in China in recent years, this paper analyzes the risks, causes and influences hidden by the flourishing P2P industry, and puts forward some suggestions for the risk prevention of P2P network lending industry in China. With a view to the industry can sunshine, orderly and stable development.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F724.6;F832.4

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