陆金所P2P网络借贷平台风控体系研究

发布时间：2018-05-20 13:52

本文选题：P2P网络借贷 + 法律监管　；参考：《安徽工业大学》2017年硕士论文

【摘要】：P2P网络借贷是通过互联网实现借贷的一种方式,金融业与互联网的组合已成为当前金融业发展的一种新形势。P2P网络借贷满足了想投资缺乏资金,或者有资金却缺乏投资方向人们的需求,符合资产管理环境下的经济发展趋势。在我国,P2P网络信贷自2007年兴起至今,发展迅速的同时也暴露出许多风险。由于中国政府对创新的鼓励和支持,为了鼓励金融业创新发展,所以P2P借贷平台还没有发布明确的准入和退出机制和相应的监管法律制度。由于缺乏法律监管制度和风险控制制度不成熟使许多平台跑路或倒闭的事件层出不穷,整个P2P网络借贷行业逐渐成为被黑化的地带。在上述背景下,本文在分析我国P2P网络借贷行业中发展较好的陆金所平台为例,深入研究并构建P2P网络借贷平台的风险控制体系。通过仔细分析和总结P2P网络借贷平台在中国近几年风险频繁爆发的原因,总结出中国P2P网络借贷平台发展的主要风险。在对P2P发展和风险控制系统研究的基础上,综合考虑当前金融监管环境,提出了一些关于P2P网络借款平台风险控制系统的建议。在我国建立P2P网络贷款平台风险控制体系的过程中,本文主要从陆金所风险控制体系建设的内外部方面提出建设战略。内部风险控制体系建设过程将COSO全面风险管理理论的八大要素和P2P网络贷款行业的特点结合,建立完善的内部风险管理体系;在外部控制方面,主要参考较为成熟的银行业“三位一体”的风控模式,通过高效的资源来实现P2P网络借贷过程中的风险转移。
[Abstract]:P2P network lending is a way of lending through the Internet. The combination of the financial industry and the Internet has become a new situation in the development of the current financial industry..P2P network lending meets the needs of the people who want to invest or lack the investment direction. It is in line with the economic development trend under the management environment of the capital. In China, P2 Since the rise of P network credit since 2007, it has been developing rapidly and exposing many risks. Due to the encouragement and support of the Chinese government on innovation, in order to encourage the innovation and development of the financial industry, the P2P lending platform has not issued a clear access and exit mechanism and the corresponding regulatory law system. The immaturity of the control system makes many platforms running or bankrupt, and the whole P2P network loan industry is gradually becoming blackened zone. Under the above background, this paper analyzes and constructs the risk control system of the P2P network lending platform through the analysis of the well developed Lu Jin platform in the P2P network lending industry of our country. After carefully analyzing and summarizing the causes of the frequent outbreak of the P2P network lending platform in China in recent years, the main risks of the development of the P2P network lending platform in China are summarized. On the basis of the research on the development of P2P and the risk control system and the comprehensive consideration of the current financial regulatory environment, some risk control systems for the P2P network loan platform are put forward. In the process of establishing the risk control system of the P2P network loan platform in China, this paper puts forward the construction strategy from the internal and external aspects of the construction of Lu Jin's risk control system. The construction process of the internal risk control system combines the eight elements of the COSO comprehensive risk management theory and the characteristics of the P2P network loan industry to establish and perfect the system. The internal risk management system, in the external control, mainly refer to the more mature banking industry "Trinity" wind control mode, through efficient resources to realize the P2P network lending process of risk transfer.
【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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