我国P2P网络货款平台全面风险管理体系构建研究

发布时间：2018-04-17 08:49

本文选题：P2P网络贷款 + Lending　；参考：《山东大学》2015年硕士论文

【摘要】：互联网技术发展,推动金融业与互联网交叉融合,依托于互联网技术的金融服务兴起并蓬勃发展。P2P网络贷款是"peer to peer lending"的缩写,我国相关部门称之为“人人贷”。P2P网络贷款自2006年在我国产生以来,得到迅速发展,平台数量不断增加,成交额也不断增长,根据网贷之家相关数据,截至2014年12月,我国平台数量已达1575家,行业累计成交量超3829亿元,行业规模不断扩大。而伴随平台数量不断增加和成交额不断增长,问题也不断出现,近几年,平台“跑路”和借款人违约状况不断出现。在我国正规金融机构一直未能有效解决中小微企业及个人融资问题背景下,作为民间金融机构的替代,P2P网络贷款自成立以来便在我国取得了蓬勃发展。P2P网络贷款平台借助互联网和采用一定的风险管理技术部分降低了信息不对称带来的道德问题和逆向选择的弊端和交易成本,将贷款人和借款人有效的联结在一起,为平台参与者交易带来了便利：借款人以更低的利率获得融资,而且融资时间大大缩短,投资人可以获得相较于银行存款更高的投资回报,双方都从交易中受益。作为一个新兴行业,平台的发展与风险管理水平紧密联系,出现风险平台数量的不断增加使P2P网络贷款参与者认识到风险管理重要性。本文主要论述在现阶段行业风险不断增加形势下,如何以全面风险管理理论为指导构建P2P网络贷款行业全面风险管理体系。本文首先从文献分析入手,在对已有的研究成果进行梳理分析基础上,将信息不对称理论、互联网金融理论与全而风险管理理论相结合作为本文分析的理论基础。其次,从国内外不同平台运营模式切入,国外和国内分别以Lending Club和宜信为例,对国内外P2P网络贷款平台运作模式、风险管理方式进行比较分析,通过借鉴传统商业银行这一我国最重要金融机构所面临风险,分析我囤P2P网络贷款平台面临风险及风险管理存在问题,通过对平台面临风险的分析和描述,得出需构建全面风险管理体系以提高平台风险管理水平进而应对发展过程中面临的各类风险结论,在此基础上提出建立全面风险管理体系五个原则,并对平台全面风险管理体系进行构建,在论述行业全面风险管理体系构建的八个要素时,适当结合宜信公司进行分析,强调在风险管理过程中关注“人”的作用。随着行业不断发展,该行业将会受到更多外部监管影响,因此本文在分析其全面风险管理内部环境的同时,适当关注外部环境中和外部监管和市场约束对于P2P网络贷款平台全面风险管理所带来的影响,并认为全面风险管理要落到实处,须既关注内部环境又须关注外部监管和市场约束。
[Abstract]:With the development of Internet technology, financial services based on Internet technology rise and flourish. P2P network loan is the abbreviation of "peer to peer lending".The relevant department of our country calls "peer-to-peer lending". P2P network loan has developed rapidly since 2006 in our country, the number of platforms has been increasing, and the turnover is also increasing. According to the relevant data of Internet loan House, as of December 2014,Our country platform quantity has reached 1575, the industry accumulative turnover exceeds 382.9 billion Yuan, the industry scale expands unceasingly.Along with the increasing number of platforms and the increasing turnover, the problems also appear. In recent years, the platform "running" and borrowers' default situation appear constantly.Under the background that formal financial institutions in China have not been able to effectively solve the financing problems of small and medium-sized enterprises and individuals,As a substitute for private financial institutions, P2P network loan has developed vigorously in our country since its establishment. P2P network loan platform has reduced the channel brought about by information asymmetry through the help of Internet and certain risk management technology.Moral problems and the drawbacks of adverse selection and transaction costs,Effectively linking lenders to borrowers facilitates transactions among platform participants: borrowers have access to finance at lower interest rates, and the duration of financing has been significantly reduced.Investors can earn a higher return on investment than bank deposits, and both sides benefit from the deal.As a new industry, the development of the platform is closely related to the level of risk management. The increasing number of risk platforms makes P2P network loan participants realize the importance of risk management.This paper mainly discusses how to construct a comprehensive risk management system of P2P network loan industry under the guidance of the theory of comprehensive risk management under the situation of increasing industry risk at the present stage.This paper begins with the literature analysis, on the basis of combing and analyzing the existing research results, combines the information asymmetry theory, the Internet finance theory and the full-scale risk management theory as the theoretical basis of this paper.Secondly, from different operating modes at home and abroad, taking Lending Club and Yixin as examples, the paper compares the operation mode and risk management mode of P2P network loan platform at home and abroad.By drawing lessons from the risks faced by traditional commercial banks, which are the most important financial institutions in China, this paper analyzes the risks faced by our P2P network loan platform and the existing problems in risk management, and analyzes and describes the risks faced by the platform.Draw the conclusion that it is necessary to construct a comprehensive risk management system in order to improve the level of risk management of the platform and then deal with all kinds of risks in the process of development. On the basis of this, five principles of establishing a comprehensive risk management system are put forward.And the overall risk management system of the platform is constructed. When discussing the eight elements of the construction of the overall risk management system in the industry, the author analyzes the system with the appropriate combination of Yi Xin Company, and emphasizes the role of "people" in the process of risk management.With the continuous development of the industry, the industry will be affected by more external supervision, so this paper analyzes its overall risk management internal environment at the same time,Paying due attention to the impact of external environmental and external regulation and market constraints on the overall risk management of P2P network loan platforms, and considering that the overall risk management should be implemented,Attention should be paid to both the internal environment and external regulation and market constraints.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F724.6;F832.4

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