H农业P2P公司借款人逾期风险控制研究

发布时间：2018-05-06 07:56

本文选题：农业P2P + 借款人逾期　；参考：《北京交通大学》2017年硕士论文

【摘要】：P2P行业在最近几年成为了一个热门行业,从2014年开始从事这个行业的企业数量有了一个突飞猛进的增长,在急剧增长的背后,也引发了诸多问题,其中问题平台倒闭是主要问题。在导致问题平台倒闭的因素中,借款人逾期是主要风险因素之一。H农业P2P公司是一家创业公司,公司平台成立时间不长,渴望长久稳定的发展,借款人逾期风险是H农业P2P公司需要控制的主要风险。本文将展开对H农业P2P公司借款人逾期风险控制研究,在已有的文献和相关理论的基础上,分析和解决如下两个方面的问题:第一,对H农业P2P公司的借款从公司外部和内部两个角度进行分析,回答“导致H农业P2P公司借款人逾期风险的主要因素是哪些?”;第二,针对这些因素,制定风险控制方案,回答“如何降低H农业P2P公司借款人逾期的风险?”。本文研究发现,H农业P2P公司借款人逾期受H公司外部P2P行业环境、借款人因素、H公司内部风控审批业务流程设计缺陷这几个方面的影响。针对内外部成因,设计风险控制方案,降低借款人逾期风险。本文有如下两点研究价值:第一,讨论了导致H农业P2P公司借款人逾期风险的成因,针对这些成因制定了相应的风险控制方案,对H公司后期放款风险控制有一定的建议意义。第二,由于讨论的是农业行业借款人的逾期风险,从而对行业中从事农业小额贷款的P2P平台提供了一定的参考意义。
[Abstract]:The P2P industry has become a hot industry in recent years. Since 2014, the number of enterprises engaged in this industry has increased by leaps and bounds. Behind the rapid growth, there have also been many problems. Among them, the failure of the problem platform is the main problem. Among the factors leading to the failure of the problem platform, the borrower overdue is one of the main risk factors. H Agricultural P2P Company is a start-up company. The company platform is not established for a long time and is eager for a long and stable development. The borrower overdue risk is the main risk that H agricultural P2P company needs to control. Based on the existing literature and relevant theories, this paper will analyze and solve the following two problems: first, This paper analyzes the loan of H agricultural P2P company from the external and internal aspects of the company, and answers "what are the main factors that lead to the overdue risk of H agricultural P2P company borrower?" secondly, we formulate a risk control scheme for these factors. Answer "how to reduce the risk of H-Peer-to-Peer borrowers overdue?" In this paper, it is found that the borrower of H agricultural P2P company is late affected by the external P2P industry environment of H company and the internal risk control and approval business process design defects of H company. In view of the internal and external causes, design a risk control scheme to reduce the borrower overdue risk. This paper has the following two research values: first, this paper discusses the causes of overdue risk of borrowers in H agricultural P2P company, and formulates the corresponding risk control scheme in view of these causes, which has some suggestion significance for H company's late loan risk control. Secondly, due to the overdue risk of borrowers in agricultural industry, it provides a certain reference for the P2P platform engaged in agricultural microfinance in the industry.
【学位授予单位】：北京交通大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.4

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