宜人贷网络借贷平台的风险管理研究

发布时间：2018-03-18 10:17

本文选题：P2P网络借贷平台　切入点：风险管理　出处：《广州大学》2017年硕士论文　论文类型：学位论文

【摘要】：近年来我国P2P网络借贷行业发展迅速。然而,伴随着行业的不断发展,风险问题纷纷涌现并持续增加。对此,国家逐步出台相关政策来加大对P2P网络借贷平台的监管力度,以及填补我国有关P2P网络借贷行业监管的政策空白。在历经初始发展期、快速扩张期之后,近两年来,P2P网络借贷行业进入行业整治期,平台运营趋于规范,行业中不规范的平台纷纷主动退出行业或逐渐被激烈的竞争所淘汰。因此,在当前形势下,一个P2P网络借贷平台公司若要在竞争中脱颖而出,做好风险管理工作,参考并借鉴行业中运营较好平台的经验就显得尤为重要。本文以国内首家上市的P2P网络借贷平台宜人贷为案例对象,通过运用文献研究法和案例分析法,基于扎实的理论基础和丰富的背景资料,对宜人贷平台的运营模式、现有风险管理方法深入分析,实现理论与实际相结合,问题与措施相对应。本文的创新之处在于研究对象为近两年新兴的互联网金融行业,该研究题材比较新颖并具有较强的现实意义。通过研究发现,宜人贷平台目前在行业中综合排名第二,表现良好。经过长期经营运转,该平台已经意识到网络借贷行业存在风险,为规避损失,宜人贷平台采取分散投资策略,完善大数据风险控制体系,严格审核客户信用评级系数,严格执行风险备用金制度以及资金托管措施。研究发现,宜人贷在风险管理过程中还是存在一些问题,该平台由于“拆标、期限错配”等方式给平台带来了流动性风险,贷款人信用评级制度的不完善造成贷款人信用风险、平台内部控制存在潜在的风险隐患等问题。本文对这些问题存在的原因进行深入分析,并针对这些问题,提出控制流动性风险、降低信用风险、降低内部控制风险、提高风险保障措施四方面的建议,希望宜人贷平台可以结合实际情况,更好运营发展,共建积极健康的环境。
[Abstract]:In recent years, the development of P2P network lending industry rapidly in China. However, with the continuous development of the industry, the risk of problems have emerged and continue to increase. In this regard, the state gradually introduce relevant policies to increase supervision of the P2P network lending platform, as well as the relevant regulatory policy gaps to fill the P2P network lending industry in China after the initial development. Period, after a period of rapid expansion, the past two years, P2P network lending industry to enter the industry rectification period, platform operators tend to standardize the industry standard platforms have the initiative to withdraw from the industry or gradually eliminated by the fierce competition. Therefore, in the current situation, a P2P network lending platform to talent shows itself in competition in charge of risk management, better platform operation and with the reference to industry experience is particularly important. This paper listed the P2P network lending platform to the domestic first pleasant loans for A case, by using the method of literature research and case analysis, solid theoretical foundation and rich background based on the data of pleasant lending platform operation mode, analyzing the existing risk management method, realize the combination of theory and practice, problems and corresponding measures. The innovation of this article lies in the object of study for the past two years, emerging the Internet financial industry, the research topic is new and has strong practical significance. The study found that the pleasant lending platform in the industry at present ranking second, good performance. After long-term operation, the platform has realized the network lending industry risk, in order to avoid the loss of pleasant lending platform to take diversification strategy, perfect big data risk control system, strictly examine the credit rating coefficient, the strict implementation of the risk reserve fund system and fund custody measures. The study found that pleasant loans In the process of risk management still exist some problems, the platform due to the demolition of the standard, the maturity mismatch and other ways to bring liquidity risk to the platform, the lender is not perfect the credit rating system of credit risk caused by the lender, the platform's internal control problems of potential risks. The causes of these problems in-depth analysis then, aiming at these problems, puts forward the control of liquidity risk, reduce credit risk, reduce the risk of internal control, improve the risk safeguard measures four suggestions, hope pleasant lending platform can be combined with the actual situation, better operation and development, build a positive and healthy environment.

【学位授予单位】：广州大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.4

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