基于AHP层次分析法的我国P2P网络借贷风险研究

发布时间：2018-01-04 20:12

本文关键词：基于AHP层次分析法的我国P2P网络借贷风险研究　出处：《西安外国语大学》2017年硕士论文　论文类型：学位论文

【摘要】：P2P网络借贷起源于2005年,在2005年到现阶段经历了快速发展的过程。网贷之家提供的数据显示,平台在2016年整个年度的交易规模为3482.7亿元人民币,同比增长约40.9%。借款方和贷款方可以通过P2P网络借贷平台进行更加直接的资金融通,这与以往传统的金融机构模式完全不一样,P2P网络借贷可以弥补传统金融结构的部分局限性,尤其是对小额信贷的有效补充,资金的利用率也得到了一定的提高,同时也是对国家一直所倡导的普惠金融的有力推动。P2P网络借贷平台快速发展的同时也存在很多问题,不正规的网络借贷平台也层出不穷,由于平台经营不善而出现的平台跑路以及倒闭事件受到了社会各界的广泛关注,P2P网络借贷平台所存在的风险不可小觑,为了促进我国P2P网络借贷的良性发展,充分发挥其对传统金融的补充作用和对社会的有利影响,则要加强对P2P网络借贷平台风险的研究与识别。识别P2P网络借贷风险,对其进行风险监管是促进P2P网络借贷有序发展的基础。本文通过对P2P网络借贷发展历程进行研究,明确P2P网络借贷的内涵与流程,发掘网络借贷所存在的风险问题,笔者主要分析了网络借贷平台的6大风险:法律风险、操作风险、信用风险、流动性封信、声誉风险以及网络风险。并通过AHP层析分析法来识别各类风险的权重,甄别不同风险对网络借贷平台总体风险的贡献程度,基于此提出相应的风险防控措施。
[Abstract]:The origin of P2P network lending in 2005, in 2005 to the present stage has experienced rapid development process. The net loan home provides data show that in 2016 the scale of the whole year trading platform for 348 billion 270 million yuan, an increase of about 40.9%. of borrowers and lenders can finance more directly through the P2P network lending platform. This and the traditional financial institutions model is completely different, P2P network lending can make up for some limitations of the traditional financial structure, especially the effective supplement of microfinance, capital utilization is improved at the same time, but also for the country has been advocated inclusive finance a strong impetus to the rapid development of.P2P network lending the platform also has a lot of problems, informal network lending platform also due to poor management platform and emerge in an endless stream, the platform collapse event and run away from To the attention of the community, the existing P2P network lending platform risk should not be overlooked, in order to promote the healthy development of China's P2P lending network, give full play to its role as a complement to the traditional financial and beneficial influence to the society, to strengthen the research and recognition of the P2P network lending platform risk identification. P2P network lending risk, risk supervision on the basis of P2P is to promote the orderly development of network lending. Based on the research of P2P lending network development process, clear and process connotation of P2P network lending, risk problems explore the lending network, the author analyzes the 6 major risk network lending platform: legal risk, operational risk, credit risk, liquidity letter, reputational risk and network risk. And through the AHP chromatography to identify the weight of various types of risk, risk to identify different network lending platform overall The degree of risk contribution is based on the corresponding risk prevention and control measures.

【学位授予单位】：西安外国语大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.4

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