普惠家网络借贷平台信用风险管理研究

发布时间：2018-03-05 15:52

本文选题：P2P网络借贷平台　切入点：互联网金融　出处：《青岛大学》2017年硕士论文　论文类型：学位论文

【摘要】：随着互联网金融被列入“十三五”规划,网络借贷进入飞速发展阶段。由于我国在P2P网络借贷方面的法律法规监管较少,加上信用评级体系不完善,P2网络借贷平台的发展比较混乱,出现庞氏骗局、非法集资、洗钱等等风险,而众多平台的携款跑路事件使得P2P网借行业陷入严重的危机中。在目前国家立法监管等法律环境不断变化、行业整改及平台洗牌的特定环境下,P2P借贷平台做好风险管理工作才能赖以生存和发展。本文的研究重点是普惠家P2P借贷平台的信用风险管理,根据P2P网络借贷产生的背景和当前行业出现的问题,分析国内外的研究成果,运用信息不对称理论和风险管理理论,选取了响应政策法规迅速做出合规行动的P2P平台普惠家为研究对象,通过介绍普惠家的成立发展历程、相应的运营机制、风险的应对模式和监管模式等,分析平台面临的各类风险,得出普惠家须进行全面信用风险管理的结论,并对P2P借贷平台风险管理提出相应的对策和建议。
[Abstract]:With Internet finance being included in the 13th Five-Year Plan, online lending has entered a stage of rapid development. Since our country has fewer laws and regulations in the area of P2P network lending, Coupled with the fact that the credit rating system is not perfect and the development of the P2 network lending platform is relatively chaotic, there are risks such as Ponzi schemes, illegal fund-raising, money laundering, and so on. However, the incident of carrying money from many platforms has caused the P2P network lending industry to be plunged into a serious crisis. At present, the legal environment such as national legislation and supervision is constantly changing. In the specific environment of industry rectification and platform reshuffle, the risk management work of P2P lending platform can only survive and develop. The research emphasis of this paper is the credit risk management of Phuijia P2P lending platform. According to the background of P2P network lending and the problems existing in the current industry, this paper analyzes the domestic and foreign research results, and applies information asymmetry theory and risk management theory. By introducing the development course of Phuijia's establishment, the corresponding operation mechanism, the risk coping model and the supervision mode, etc., the P2P platform of Phuijia, which responds to the policy and regulations, is chosen as the research object. Based on the analysis of all kinds of risks faced by the platform, this paper draws the conclusion that Phuijia should carry out the overall credit risk management, and puts forward the corresponding countermeasures and suggestions for the risk management of P2P lending platform.
【学位授予单位】：青岛大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4;F724.6

【参考文献】