宜信公司P2P借贷平台的风险管理问题研究

发布时间：2018-01-04 17:36

本文关键词：宜信公司P2P借贷平台的风险管理问题研究　出处：《吉林财经大学》2017年硕士论文　论文类型：学位论文

【摘要】：网络借贷是一项主要由互联网第三方平台实现资金交易和资金流通的非传统金融行业。中国银监会通常将其称之为“人人贷”,早期尤努斯教授在孟加拉国创办了一个适用于乡村民间范围内实现资金借贷的“乡村银行”,一时间为草根阶级实现资金借贷提供了重要的渠道和交易方式,这样的理念为国内P2P网络借贷顺势而生提供了重要的理论基础。现阶段中国国内的网络借贷行业正处于飞速发展的时期,P2P网络借贷本身具有相对独立的特征,它与传统的金融机构没有直接的挂钩,这会在很大程度上满足一些微型企业以及小型企业的资金融通的各类需求,尤其是微小型企业融资成本过高的问题就可以通过网络借贷平台得到很好的解决。除此之外,网络借贷平台还具备传统的银行信贷所不具备的另一个优势,即帮助投资人实现精准的资金投资并获取更大的投资效益。网络借贷正是由于其自身所具备的两大优势深受广大民间创业者和投资者的喜爱并不断发展壮大。随着网络借贷的极速成长,一些实质性问题也随之暴露出来,由于国内目前对网络借贷平台并未出台相关的法律法规,同时社会信用体系本身存在着诸多问题,这对网络借贷信用体系和风险控制等方面造成了极其不利的影响。本文通过对宜信公司的基本情况、运营模式、征信平台、风险管理等进行深入剖析,在此基础上发现宜信公司风险管理中存在个人征信信息获取及评定能力不足、操作风险、债权转让模式风险、法律监管的缺失风险并分析产生风险管理问题的根源。然后对比国外的成熟的P2P信贷平台的发展现状,寻找出适合宜信公司在风险管理方面可以参考使用的解决办法,为宜信公司风险控制和管理提供切实可行的方案。
[Abstract]:Online lending is a non-traditional financial industry in which money transactions and capital flows are mainly carried out by Internet third-party platforms. The CBRC usually calls it "peer-to-peer lending". Professor Yunus founded a "village bank" in Bangladesh, which was suitable for the rural folk to borrow money. It provided an important channel and transaction way for the grassroots to borrow and borrow money at one time. This concept provides an important theoretical basis for domestic P2P network lending. At this stage, China's domestic network lending industry is in a period of rapid development. P2P network lending itself has relatively independent characteristics, it is not directly linked to traditional financial institutions, which to a large extent will meet the needs of some microenterprises and small enterprises to finance various types of. In particular, the problem of high financing costs of small enterprises can be solved through the network lending platform. In addition, the network lending platform also has another advantage that the traditional bank credit does not have. That is to help investors to achieve accurate capital investment and achieve greater investment benefits. Online lending is precisely because of its own two major advantages are popular with the majority of private entrepreneurs and investors and continue to grow. With the rapid growth of online lending. Some substantive problems are also exposed, because the domestic network lending platform has not issued relevant laws and regulations, at the same time, there are many problems in the social credit system itself. This has caused extremely adverse impact on network credit system and risk control. This paper analyzes the basic situation, operation mode, credit information platform, risk management and so on. On this basis, it is found that the risk management of Yi Xin company is lack of personal credit information acquisition and evaluation ability, operational risk, credit transfer mode risk. The lack of risk of legal supervision and analysis of the root causes of risk management problems. Then the development of mature P2P credit platform than foreign status quo. To find out the solution suitable for the risk management of Yi Xin company, and provide the feasible scheme for the risk control and management of the company.
【学位授予单位】：吉林财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.4

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