宜人贷公司风险管控体系优化研究

发布时间：2018-05-02 15:18

本文选题：P2P + 风险管控　；参考：《湘潭大学》2017年硕士论文

【摘要】：互联网金融其中的一部分是P2P借贷平台行业,自从相关理念从国外传到国内之后P2P借贷行业发展就越来越快速,它很好的衔接补充了现有银行业,为平台客户提供了一种新的融资渠道,融资速度也是相当的快速。由于时代环境瞬息万变,从而需要P2P借贷平台慢慢努力,保持进步。一方面,我国的法律制度对于这一新兴行业还缺乏明确的制度规定,监管各方未明确各自责任,导致行业内部乱象丛生;另一方面,我国还没有形成像国外一样比较完整的征信体系,导致各个P2P借贷平台不仅仅存在着贷款产品的高风险,还存在着对借款人的高征信成本。怎样在群雄逐鹿的行业环境下一马当先,这就需要每个P2P借贷平台具备有效的风险管理控制制度,来抵御日益多样化的风险,提高自身风险控制水平,以此为突破口争取做到行业的领斗羊。因此,需要对P2P行业进行深入的剖析,对其风险控制进行了解,并进行风险的把控与管理。本文以宜人贷公司的风险状况为研究对象,从企业内部因素、财务数据分析与企业外部环境三方面对宜人贷公司的风险管控现状进行了分析,进而指出公司目前所面临的相关风险并在风险管控之中存在哪些缺陷。经过分析可得,公司的风险管控之中存在缺乏全面风险管控的整体体系,财务监管体系不健全,信息沟通不到位等相关问题。从而本文针对上述问题,对宜人贷公司的风险管控提出了相关的优化方案。首先,文章提出在企业内部设立一套关于风险控制的组织架构,从企业根本进行风险管控;其次,在基于组织架构之上,文章从流程管理、应用管理、数据管理三方面为公司设计了一套全面风险管控体系。该体系完成了企业从风险识别、风险评估与风险控制的风险管控,为企业在进行风险控制时提供了相关的理念和数据支撑。最后文章为方案的实施提供相关的保障措施。研究过程中,作者对于P2P借贷模式进行了深入的解读,提出了与他人不同的研究视角与研究框架,具有一定的创新性。其创新点主要包括有:以全面风险管理理论为依据,构建个性化风险管控体系;以宜人贷公司为典型案例,为广大P2P借贷平台提供风险管理控制方面的参考。
[Abstract]:One part of Internet finance is the P2P lending platform industry. Since the related ideas spread from abroad to China, the P2P lending industry has developed more and more rapidly. It is a good link to supplement the existing banking industry. For platform customers to provide a new financing channel, financing speed is also quite fast. Due to the changing environment of the times, P2P lending platforms need to work hard to maintain progress. On the one hand, the legal system of our country lacks clear regulations for this new industry, and the regulatory parties do not clearly define their respective responsibilities, leading to chaos within the industry; on the other hand, China has not yet formed a relatively complete credit system like foreign countries which leads to the existence of not only the high risk of loan products but also the high credit cost for the borrowers in various P2P lending platforms. How to take the lead in the industry environment, which requires every P2P lending platform to have an effective risk management and control system to resist the increasingly diversified risks and improve its own risk control level. This as a breakthrough to achieve the industry's leading sheep. Therefore, it is necessary to deeply analyze the P2P industry, understand its risk control, and carry out risk control and management. This paper takes the risk situation of the company as the research object, analyzes the risk management and control status of the company from the aspects of internal factors, financial data analysis and external environment of the enterprise. Then it points out the related risks faced by the company and the defects in risk control. Through analysis, we can find that there are some related problems in the risk control of the company, such as the lack of overall risk control system, the imperfect financial supervision system, the lack of information communication, and so on. In view of the above problems, this paper puts forward the relevant optimization scheme for risk management of pleasant loan companies. First of all, the paper proposes to set up a set of organizational structure on risk control within the enterprise, from the enterprise to carry out risk control; secondly, based on the organizational structure, the article from the process management, application management, Three aspects of data management for the company designed a comprehensive risk management system. The system completes the risk management and management of enterprises from risk identification, risk assessment and risk control, and provides related concepts and data support for enterprises to carry out risk control. Finally, the article provides the relevant safeguard measures for the implementation of the program. In the course of the research, the author deeply interprets the P2P lending model, and puts forward the research perspective and research framework different from others, which is innovative to a certain extent. The innovations include: to build a personalized risk management system based on the theory of comprehensive risk management; to provide reference for the vast P2P lending platform on risk management and control by taking the pleasant loan company as a typical case.
【学位授予单位】：湘潭大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.39

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