中均网贷平台风险控制研究

发布时间：2018-02-20 02:38

本文关键词： 互联网金融 P2C项目风险管理　出处：《吉林大学》2015年硕士论文　论文类型：学位论文

【摘要】：随着技术的发展和融资形式的改变，互联网金融成为了人们理财的一种新形势并呈现出了火热的发展势头。互联网借贷平台已经成为了人们理财和借贷的主要途径，并随着使用人群和规模的扩大而不断衍生出新的借贷模式。当下，最为流行的互联网金融模式便是P2P模式，这一模式实现了人们在线上直接借贷避免了传统金融的繁琐程序。但是，随着P2P模式的快速发展，在信心不对称的背景下，P2P模式出现了大量的问题甚至包括运营者“跑路”的现象。也因此，P2C成为了人们看好的新的互联网借贷平台经营模式。P2C作为互联网借贷平台最新的一种经营模式，是借款人以企业为主，对债权转让企业通过资质审核出具有投资价值的优质债权项目在平台上提供给投资者的新模式。随着通过互联网金融理财的人不断增加，，互联网金融项目激增。大部分的互联网平台和项目由于跟人借贷存在较大的不确定性，风险相对较高并不能满足投资人保证安全的基础上获得更多收益的期望。网络借贷平台又演进出了新的借贷模式即P2C模式。虽然，在众多互联网金融融资模式中P2C仍属于融资平台较少接触的借贷模式其覆盖的广度远不如P2P但是这一模式较好的满足了个人拥有的闲散资金进行投资的便利和中小企业对资金的大量需求。这一模式在得到快速的发展的同时也曝露出了一些列存在的风险。因此，有必要通过P2C的发展对其风险进行分析并制定合理的风险评估和政策建议。本文通过对借贷理论的相关分析以及P2C概念的理解，以中均集团P2C项目为例对中均集团的P2C项目、与传统信贷的优势以及风险评估进行了分析。通过对中均集团现有的风险评估方法的介绍对在P2C项目中APH和DFC方法的引入使中均集团P2C项目网络平台的风险评估方法得以改进。根据中均集团面对的风险对中均风险评估方法进行了概述并结合国内外最新的风险评估方法利用AHP分析法和DCF方法对中均集团风险评估方法进行了改进并有效的增强了中均集团风险控制能力。最后，通过中均集团风险控制与评估的经验对我国P2C风险控制提供了政策建议。
[Abstract]:With the development of technology and the change of financing form, Internet finance has become a new situation of people's financial management and has shown a hot development momentum. Internet lending platform has become the main way for people to finance and borrow. And with the expansion of the population and scale of use, new lending models have been spawned. At present, the most popular Internet finance model is the P2P model. This model enables people to borrow directly online to avoid the red tape of traditional finance. However, with the rapid development of P2P model, Under the background of asymmetric confidence, there are a lot of problems in P2P model, even the phenomenon of "running away" by operators. As a result, P2C has become a promising new business model for Internet lending platform. P2C is used as an Internet loan flat. Taiwan's latest business model, It is a new model that the borrowers are mainly enterprises, and the enterprises that transfer the creditor's rights have checked out the quality creditor's rights projects with investment value through the qualification to offer to the investors on the platform. As the number of people managing financial affairs through the Internet has been increasing, Internet finance projects have proliferated. Most Internet platforms and projects have greater uncertainty about borrowing from people. The relatively high risk does not meet the expectations of investors to earn more revenue on a safe basis. The online lending platform has evolved a new lending model, P2C. P2C is still a lending model that is less accessible to financing platforms than P2P, but this model is a better way to satisfy the ease of investment of private idle funds. The large demand for capital from small businesses. This model has developed rapidly and exposed a number of risks. Therefore, It is necessary to analyze the risk and make reasonable risk assessment and policy recommendations through the development of P2C. Based on the relevant analysis of lending theory and the understanding of P2C concept, this paper takes the P2C project of Zhongjun Group as an example to analyze the P2C project of Zhongjun Group. This paper analyzes the advantages of traditional credit and risk assessment. Through the introduction of APH and DFC in P2C project, the risk assessment of P2C project network platform is made by introducing the existing risk assessment methods of Zhongjun Group. The method is improved. According to the risk average risk assessment method faced by Zhongmean Group, this paper summarizes the risk assessment method and combines the latest risk assessment methods at home and abroad, using AHP analysis and DCF method to carry out the risk assessment method of Zhongmean Group. Improved and effectively enhanced the risk control ability of Zhongjun Group. Finally, Through the experience of risk control and evaluation in Zhongjun Group, some policy suggestions are provided for P2C risk control in China.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F724.6;F832.39;F272.3

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