我国P2P网络信贷业务发展中的风险管理研究

发布时间：2018-05-08 12:26

本文选题：P2P + 风险管理　；参考：《天津财经大学》2014年硕士论文

【摘要】：P2P网络信贷业务在英国一经出现便被许多国家竞相引入,当然我国也不例外。我国第一家P2P网络信贷业务公司(拍拍贷)成立于2007年,发展至今也不过8年时间。据不完全统计,国内P2P网络信贷业务公司的数量从2009年的9家迅速成长为2012年的110家,截至2013年一季度末这一数字至少达332,即2013年这一增长速度为平均每天出现2-3家。此项业务在我国出现的时间虽然短暂,其发展势头可谓迅猛,但是仅仅一个月就有15家P2P网络信贷业务公司集中倒闭的现象,也同样引起了国内外专家、学者的广泛讨论。这无一不是将P2P网络信贷业务在其发展过程中的脆弱性推到了聚光灯下。因此,以上这些数据至少包括两层含义：一是P2P网络信贷业务在我国的潜在市场广阔；二是其存在的风险不容小觑。鉴于此,文章选择了P2P网络信贷业务在发展过程中的风险管理作为研究方向。文章是以风险管理的基本理论为依据,采用归纳、对比以及例证等方法,系统地分析了P2P网络信贷业务在发展过程中存在的风险及其成因,最后对建立有效的风险管控体系提出了三点看法。在梳理国内外相关文献的基础上,以P2P网络信贷业务运营原理为逻辑起点,对国内外P2P网络信贷业务的主流运营模式及发展状况进行深入详细的分析,并且在国内外P2P网络信贷业务产生和发展环境的差异对比中,分析出我国P2P网络信贷业务的风险因素及成因的特殊性和一般性,最后的落脚点是在风险分类清晰的前提下,为构建一个有效的风险管理体系提出以下三点风险管理措施：健全法律制度、完善个人信用环境以及做好P2P网络信贷业务公司内部控制和行业监管(自律组织和监管体系)。
[Abstract]:P2P network credit business has been introduced by many countries in Britain, of course, China is no exception. PPDAI, the first P2P network credit company in China, was founded in 2007 and has been developing for only 8 years. According to incomplete statistics, the number of domestic P2P network credit companies grew rapidly from 9 in 2009 to 110 in 2012, reaching at least 332 by the end of the first quarter of 2013, or an average of 2-3 per day in 2013. Although this business appeared in our country for a short time, its development momentum can be described as swift and violent, but only a month there are 15 P2P network credit companies concentrated bankruptcy phenomenon, also caused extensive discussion of experts and scholars at home and abroad. All of this puts the vulnerability of P2P network credit business in the spotlight. Therefore, the above data includes at least two meanings: one is that the potential market of P2P network credit is broad in our country; the other is that the risk of P2P network credit business is not to be underestimated. In view of this, this paper chooses the risk management in the development of P2P network credit business as the research direction. Based on the basic theory of risk management, this paper systematically analyzes the risk and its causes in the development of P2P network credit business by means of induction, comparison and illustration. Finally, three views are put forward to establish an effective risk control system. On the basis of combing the relevant literature at home and abroad, taking the operation principle of P2P network credit business as the logical starting point, this paper makes a deep and detailed analysis on the mainstream operation mode and development situation of P2P network credit business at home and abroad. And in the domestic and foreign P2P network credit business generation and development environment difference comparison, analyzes our country P2P network credit service risk factor and the cause of formation particularity and the generality, the final foothold is in the risk classification premise which is clear. In order to construct an effective risk management system, the following three risk management measures are proposed: perfecting the legal system, perfecting the personal credit environment, and doing a good job in the internal control and industry supervision (self-discipline organization and supervision system) of P2P network credit business companies.
【学位授予单位】：天津财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F724.6;F832.4

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