PD网络借贷平台信用管理问题研究
发布时间：2018-12-06 21:24
【摘要】：网络借贷平台的快速发展,反映了在我国没有完全实现市场化金融体制下的一种市场诉求,对于缓解中小企业融资难,具有积极意义。但如不尽快加强其风险管理,可能引发社会问题,稍有不慎,整个行业便会如“多米诺骨牌”般连片倒下。鉴于此,本文对中国网络借贷平台信用管理的基本理论和PD网络借贷平台信用管理具体实践进行研究。为我国网络借贷行业的阳光化、正规化以及社会信用环境建设,贡献一份力量。 本文将以PD网络借贷平台为研究对象。首先,介绍选题背景和研究意义、国内外研究现状,阐述本文的研究内容和研究方法,分析本文的创新和不足之处；其次,对相关理论进行概述,主要包括网络借贷的定义与类别和信用管理的内容与特点；再次,对本文所研究的PD网络借贷平台进行介绍,包括平台简介、业务流程与模式、信用管理现状以及信用管理存在问题；随后,以四家在国际上具有代表性的网络借贷平台为例,分析了国外网络借贷平台信用管理的先进经验,并根据这些经验的启示与借鉴,帮助解决PD平台信用管理问题。 最后,从信用管理的征信管理、授信管理、账户控制管理、商账追收管理、行业政策五个方面为PD网络借贷平台信用管理体系提供可行建议,也为其他网络借贷平台的信用管理提供一些可借鉴的实践经验。
[Abstract]:The rapid development of network lending platform reflects a kind of market demand under the market financial system which is not fully realized in our country. It is of positive significance to alleviate the financing difficulties of small and medium-sized enterprises. But if it does not strengthen its risk management as soon as possible, may cause social problems, a little carelessness, the entire industry will be like a "domino" like a series of fall. In view of this, this paper studies the basic theory of credit management of Chinese online lending platform and the concrete practice of credit management of PD network lending platform. It contributes to the sunshine, formalization and the construction of social credit environment in China's network lending industry. This article will take the PD network loan platform as the research object. First of all, it introduces the background and significance of the topic, domestic and foreign research status, describes the content and research methods of this paper, analyzes the innovation and shortcomings of this paper; Secondly, the related theories are summarized, including the definition and category of network lending and the content and characteristics of credit management. Thirdly, this paper introduces the PD network lending platform, including the platform profile, business process and model, credit management status and credit management problems; Then, taking four representative online lending platforms in the world as an example, this paper analyzes the advanced experience of credit management of foreign network lending platforms, and according to the enlightenment and reference of these experiences, it helps to solve the credit management problems of PD platform. Finally, from the credit management of credit management, account control management, business account collection management, industry policy for the PD network lending platform credit management system to provide feasible advice. It also provides some practical experience for the credit management of other network lending platforms.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.39
本文编号：2366684
[Abstract]:The rapid development of network lending platform reflects a kind of market demand under the market financial system which is not fully realized in our country. It is of positive significance to alleviate the financing difficulties of small and medium-sized enterprises. But if it does not strengthen its risk management as soon as possible, may cause social problems, a little carelessness, the entire industry will be like a "domino" like a series of fall. In view of this, this paper studies the basic theory of credit management of Chinese online lending platform and the concrete practice of credit management of PD network lending platform. It contributes to the sunshine, formalization and the construction of social credit environment in China's network lending industry. This article will take the PD network loan platform as the research object. First of all, it introduces the background and significance of the topic, domestic and foreign research status, describes the content and research methods of this paper, analyzes the innovation and shortcomings of this paper; Secondly, the related theories are summarized, including the definition and category of network lending and the content and characteristics of credit management. Thirdly, this paper introduces the PD network lending platform, including the platform profile, business process and model, credit management status and credit management problems; Then, taking four representative online lending platforms in the world as an example, this paper analyzes the advanced experience of credit management of foreign network lending platforms, and according to the enlightenment and reference of these experiences, it helps to solve the credit management problems of PD platform. Finally, from the credit management of credit management, account control management, business account collection management, industry policy for the PD network lending platform credit management system to provide feasible advice. It also provides some practical experience for the credit management of other network lending platforms.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.39
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