我国民营系和风投系P2P网贷平台风险的对比研究

发布时间：2018-05-12 01:26

本文选题：P2P网贷平台 + 民营系　；参考：《安徽工业大学》2017年硕士论文

【摘要】：P2P网络借贷是资金供需双方以互联网作为信息渠道实现资金融通的金融服务中介,是出资人通过第三方网络平台将资金贷给有借款需求一方的网络借贷模式。P2P网络借贷的出现为我国中小企业融资难的困境提供了全新的解决途径,促进了社会资本更加公平、合理的分配,是我国传统金融体系的有益补充。自从2007年P2P网贷平台进入国内,短短几年时间,我国P2P网贷平台数量就已经达到两千多家,由于发展时间较短,许多P2P网络信贷平台自身还未形成规范的风险管理体系。P2P网贷平台快速发展的同时,不可避免的将面临一系列金融风险,这些风险直接导致了近几年多起P2P网贷平台跑路、倒闭等事件。在所有的问题平台中,来自民营系的P2P网贷平台占据着很大一部分比例,因此,民营系平台的风险防范对于整个行业具有重要意义。本文选取发展模式、风险控制更为完善的风投系P2P网贷平台和民营系P2P网贷平台进行对比,以此来发掘民营系P2P网贷平台在发展过程中存在的问题,这对于我国P2P网贷行业的健康持续发展有着重要的理论意义和现实指导意义。本文从我国P2P网络借贷的行业背景和当前出现的诸多问题为出发点,结合国内外研究成果提出了一些自己的看法,并且从我国P2P网贷行业的发展现状、P2P网贷行业规范、P2P网贷行业发展存在的问题三方面阐述了相关的制度背景。然后选取36家民营系P2P网贷平台和36家风投系P2P网贷平台进行大样本对比分析,包括运营风险和资金托管风险方面,根据对比结果得出民营系和风投系P2P网贷平台在运营管理中的异同,分析民营系网贷平台频频出问题的原因。最后,基于72家网贷平台风险分析的结果,从运营风险管理和资金托管风险管理两方面对我国如何合理预防与控制P2P网贷平台的风险提出了思路与建议。
[Abstract]:P2P network lending is a financial service intermediary that both supply and demand funds use the Internet as an information channel to finance their funds. It is the emergence of the network loan mode of P2P network loan that the investors lend funds to the party with loan demand through the third party network platform, which provides a new way to solve the difficulty of financing the small and medium-sized enterprises in our country, and promotes the social capital to be fairer. Reasonable distribution is a beneficial supplement to our traditional financial system. Since the P2P network loan platform entered the country in 2007, in just a few years, the number of P2P network loan platform in our country has reached more than 2,000, because the development time is relatively short. Many P2P network credit platforms have not yet formed a standardized risk management system. The rapid development of P2P network loan platform will inevitably face a series of financial risks. These risks directly lead to many P2P network loan platform running in recent years. A failure, etc. In all the problem platforms, P2P network loan platform from private sector accounts for a large proportion. Therefore, the risk prevention of private sector platform is of great significance to the whole industry. This article selects the development pattern, the risk control more perfect P2P network loan platform and the private system P2P network loan platform carries on the contrast, in order to discover the private system P2P network loan platform in the development process existence question. This has important theoretical and practical significance for the healthy and sustainable development of P2P loan industry in China. Based on the background of P2P network lending industry in China and the current problems, this paper puts forward some views based on the domestic and foreign research results. And from the current situation of the development of P2P network loan industry in China, the paper expounds the relevant system background from three aspects: the development of P2P network loan industry and the problems existing in the development of P2P network loan industry. Then, 36 private P2P network loan platforms and 36 venture capital P2P network loan platforms are selected to carry out a large sample comparative analysis, including operational risk and capital hosting risk. According to the comparison results, the paper draws the similarities and differences of P2P network loan platform of private department and venture capital department in operation management, and analyzes the reasons for the frequent problems of private network loan platform. Finally, based on the results of risk analysis of 72 network loan platforms, this paper puts forward some ideas and suggestions on how to prevent and control the risks of P2P network loan platforms in China from two aspects: operational risk management and capital custody risk management.
【学位授予单位】：安徽工业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.4

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