陆金所公司P2P平台财务风险研究

发布时间：2018-11-14 20:33

【摘要】：近几年以来,互联网金融常常出现在大家的视线中,P2P网络借贷平台很快得到了市场的认可。陆金所作为平安集团的子公司主要以P2P业务起家,在2012年3月正式投入运营。截止2016年底已成为中国最大的网络投融资平台之一,其发展的成功之处值得肯定与学习。本人在了解陆金所的运营模式以及其产品后,对其P2P平台风险现状的进行分析,指出陆金所P2P平台风险控制点,包括征信系统、信息透明度、财务风险管理机制等。结合陆金所P2P业务控制财务风险的管理经验和问题提出一些建议。在撰写本文时,首先介绍了陆金所目前的经营状况,主要包括陆金所成立的背景、其主要几类理财产品、具体产品分类、运营中各环节的盈利方式以及相关风险。然后分析了陆金所的P2P业务,包括主要产品介绍、业务具体流程等。接着对陆金所P2P平台所在经营过程中财务风险进行了分析,分别对其信用风险、资本风险、盈利风险以及流动风险四个方面进行了成因及识别分析,发现陆金所P2P平台财务风险主要源于征信系统不完善、互联网与金融行业存在信息割裂、注册资本不足、交易量不足以覆盖固定成本等。并阐述了陆金所P2P平台财务风险管理现状以及存在的问题,例如:征信资料不完备,信用评价效果不佳,信息透明度差,实缴比例不足,投资成本增加等。最后针对陆金所P2P平台财务风险管理中存在的问题提出建立并完善风险预警机制和信用评级机制、完善信息披露制度并提高信息透明度、加快去担保进程、控制成本、加强外部合作等建议,并提出展望。
[Abstract]:In recent years, Internet finance often appears in the sight of everyone, P2P network lending platform has been quickly recognized by the market. Lufax, as a subsidiary of Ping an Group, started with P2P business and put into operation in March 2012. By the end of 2016, China has become one of the largest online investment and financing platform, its development success is worthy of recognition and learning. After understanding lufax's operation mode and its products, this paper analyzes the present situation of the risk of peer-to-peer platform, and points out the risk control points, including credit information system, information transparency, financial risk management mechanism and so on. Combined with lufax P2P business management experience and problems in controlling financial risk put forward some suggestions. When writing this article, we first introduce lufax's current operating situation, mainly including the background of lufax's establishment, several kinds of financial products, the classification of specific products, the profit mode of each link in operation and the related risks. Then analyzes lufax's P2P business, including the main product introduction, business process and so on. Then it analyzes the financial risk of lufax P2P platform, and analyzes its credit risk, capital risk, profit risk and liquidity risk respectively. It is found that the financial risk of lufax P2P platform is mainly due to the imperfection of credit information system, the information separation between the Internet and the financial industry, the insufficient registered capital and the insufficient trading volume to cover the fixed cost and so on. The present situation and existing problems of financial risk management in lufax P2P platform are expounded, such as incomplete credit information, poor credit evaluation effect, poor information transparency, insufficient proportion of actual payment, increasing investment cost, and so on. Finally, aiming at the problems existing in the financial risk management of lufax P2P platform, the paper proposes to establish and perfect the risk warning mechanism and credit rating mechanism, to perfect the information disclosure system and to improve the information transparency, to speed up the process of de-guarantee, and to control the cost. Strengthen external cooperation and other suggestions, and put forward prospects.
【学位授予单位】：宁夏大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.4;F830.42

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