宜信P2P网贷平台信用风险管理研究

发布时间：2018-01-26 07:38

本文关键词： P2P网贷互联网金融 P2P网贷风险管理　出处：《吉林大学》2017年硕士论文　论文类型：学位论文

【摘要】：2012年以后,P2P网贷平台出现井喷式增长,P2P借贷平台的出现,的确推动了我国金融业的发展,是我国金融与互联网相结合的创新点,使得融资更加便捷,投资方与借款方的链接更加顺畅,这是对我们传统金融业的颠覆,它代表了互联网时代的新思想,实现了跨区域、无媒介、低门槛的资金融通渠道。由此,政府也在不断鼓励P2P平台的建设与发展。但是由于我国立法的滞后和管理的滞后不能跟上互联网的发展速度,导致P2P的发展无法可依,整个行业出现混乱的局面,鱼龙混杂,违规现象严重,损害了中小企业和个人的利益。P2P的各种问题和弊端逐渐的暴露出来,并增加了信用风险与信任危机发生的可能,影响了行业的信誉和品牌。互联网与金融相结合是大势所趋,因此我们必须加强P2P平台的监管,引导其健康发展,积极应对挑战与问题,进行风险防范,本文的研究从P2P的发展的相关理论开始,分析我国P2P平台面临的风险和风险的特点,结合宜信的实例,详细分析了P2P平台风险现状与风险管理状况,通过结合相关理论,梳理制定了P2P网贷风控流程、包括风险识别、风险评估和风险管理对策,最后提出必须从企业内部和外部同时加强管理和监督,才能将P2P引导向正确的发展道路。
[Abstract]:Since 2012, the emergence of peer-to-peer lending platform has promoted the development of China's financial industry, which is the innovation point of the combination of finance and Internet in our country. Make financing more convenient, the link between investors and borrowers more smooth, this is to our traditional financial industry, it represents the Internet era of new ideas, the realization of cross-regional, no media. Therefore, the government is constantly encouraging the construction and development of P2P platform. However, due to the lag of legislation and management in China, it can not keep up with the development of the Internet. Lead to the development of P2P can not be relied on, the whole industry has a chaotic situation, mixed up, serious irregularities, damage to the interests of small and medium-sized enterprises and individuals. P2P problems and drawbacks gradually exposed. And increased the possibility of credit risk and trust crisis, affected the credibility and brand of the industry. The combination of Internet and finance is the trend of the times, so we must strengthen the supervision of P2P platform. Guide its healthy development, actively respond to challenges and problems, risk prevention, this paper from the development of P2P theory, the risk and risk characteristics of the P2P platform in China. Combined with the case of Yi Xin, the paper analyzes the status quo of risk and risk management of P2P platform in detail, combs and formulates the control flow of P2P network loan risk, including risk identification. Finally, it is pointed out that the management and supervision must be strengthened both inside and outside the enterprise in order to guide P2P to the correct development path.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4;F724.6

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