P2P借贷市场风险管理研究—借款人风险管理研究

发布时间：2018-01-13 07:31

本文关键词：P2P借贷市场风险管理研究—借款人风险管理研究　出处：《首都经济贸易大学》2016年硕士论文　论文类型：学位论文

【摘要】：P2P借贷是近几年兴起的一种网络借贷服务。与银行等传统的借贷平台相比,P2P借贷平台的服务完全通过网络来进行,因此其成本更低,对于借款人和投资人的收费也更低,使得借款人可以用更低的价格借到所需的资金,而投资人也可以获得更高的收益。P2P借贷在提供更方便的服务的同时,也带来了更大的风险。和银行借贷不同,P2P借贷对于借款人的资质审核并不严格。而在借款人无法偿还其资金时,投资人的资金并不能得到保障。因此,在P2P借贷市场中,投资人无法得到资金返还的风险也更大。本文首先对于P2P借贷在各国的发展历史进行了梳理,重点研究了英国、美国、中国以及澳大利亚等国家P2P借贷发展的历史和现状。在梳理历史的同时,本文对于P2P借贷平台的发展前景也进行了预估。接下来对于借款人风险管理的主体研究从两个角度来展开。第一部分分析什么样的借款人更容易获得借款。在P2P借贷平台进行借款时,P2P借贷平台会首先进行信息审核,只有通过审核的借款信息才能在P2P平台上获得借款。本文根据Lending Club公司的数据,分析影响P2P借贷成功的因素,分析什么样的借款更容易借款成功。第二部分分析什么样的借款人更容易发生违约。在Lending Club借贷平台的信息中,会对于每一条借款信息进行追踪。本文根据该平台的数据来对于影响借款人违约的因素进行分析。通过以上对借款人的风险管理研究总结,对P2P借贷市场借款人进行风险防范主要包括对借款人借款流程贷前审核风险、贷中管控风险、收款风险等进行严格审查进而降低借款人违约风险,同时也对应对P2P借贷市场借款方风险提出了对策建议。
[Abstract]:P2P lending is a kind of network lending service which has emerged in recent years. Compared with traditional lending platforms such as banks, P2P lending platform services are carried out entirely through the network, so its cost is lower. The fees for borrowers and investors are also lower, so that borrowers can borrow the required funds at a lower price, and investors can also obtain higher returns. P2P loans can provide more convenient services at the same time. There is also a greater risk. Unlike bank lending, P2P lending is not strictly vetted for borrowers' qualifications. Investors' money is not guaranteed when borrowers cannot repay their money. In the P2P lending market, the risk that investors can not get the return of funds is also greater. Firstly, this paper reviews the history of P2P lending in various countries, focusing on the United Kingdom, the United States. The history and present situation of P2P loan development in China and Australia. At the same time combing the history. In this paper, the development prospects of P2P lending platform are also estimated. Then the main research on borrower risk management is carried out from two angles. The first part analyzes which borrowers are more likely to obtain loans. When borrowing on a P2P lending platform. P2P lending platform will first carry out information audit, only through the audit of loan information in P2P platform to obtain loans. This paper according to Lending Club company data. The factors that affect the success of P2P lending are analyzed. The second part analyzes which borrowers are more likely to default. In the information of the Lending Club Lending platform. According to the data of the platform, this paper analyzes the factors that affect the borrower's default. Through the above research on the borrower's risk management summary. Risk prevention of P2P loan market borrowers mainly includes the loan process of borrowers before the audit risk, loan control risk, collection risk and so on, so as to reduce the borrower default risk. At the same time, it also puts forward countermeasures and suggestions to deal with the risk of borrowers in P2P lending market.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F713.36;F831.2

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