红岭创投网络借贷平台的风险防控研究

发布时间：2018-05-29 04:56

本文选题：P2P网络借贷 + 风险识别　；参考：《山东农业大学》2017年硕士论文

【摘要】：随着近年来互联网的不断普及以及金融业的快速发展,“互联网+金融”模式已经开始深度融合,在“大众创业,万众创新”的政策引领下,中小微企业及个人的融资需求日益旺盛,可是传统的银行等金融机构存在着借贷融资门槛的不断提高的现状,使得融资难的困境出现,P2P网络借贷行业应运而生。它是民间借贷与互联网的深度融合,旨在为未达到传统金融机构融资门槛的中小微企业及个人提供高效的融资便利。但P2P网络借贷行业中也存在着一些漏洞,体现在行业缺乏统一的制度规范及信用评价体系、信息披露不到位、专业人员素质低等等方面,由此造成了信用风险、流动性风险、操作风险、担保风险、经营风险等,不利于行业的安全稳定运营。本文借助红岭创投平台的风险案例,对P2P网络借贷行业的风险进行类型识别、风险源分析、测度以及提出对策建议,旨在为整个网贷行业的风险防控提供一定的借鉴意义。本文第一部分为绪论,包括研究背景及目的意义、国内外研究综述、研究方法及技术路线,以及本文的创新及不足之处;第二部分为红岭创投平台的运作状况分析,包括平台概况、平台运作特点分析以及成效分析;第三部分为红岭创投平台的风险识别,包括“场外IT指导事件”识别出的操作风险、“个人担保标事件”识别出的信用风险和担保风险以及“一亿元借款逾期事件”识别出的流动性风险和经营风险;第四部分为红岭创投平台的风险源分析,包括对信用风险、流动性风险、操作风险、担保风险和经营风险五大类风险的风险源分别进行分析;第五部分为红岭创投平台的风险测度,包括用层次分析法测度的平台外部风险和用Logistic回归模型测度的借款者信用风险;第六部分为红岭创投平台的风险防控对策,从政府、平台自身、市场建设以及网络环境及安全建设四个层面对平台的风险防控给予针对性的对策建议。
[Abstract]:With the continuous popularization of the Internet and the rapid development of the financial industry in recent years, the mode of "Internet finance" has begun to integrate deeply. The financing needs of small and medium-sized enterprises and individuals are increasingly exuberant, but the traditional banks and other financial institutions have the situation of increasing the threshold of loan financing, which makes the plight of financing difficult to appear P2P network lending industry emerged as the times require. It is a deep fusion of private lending and the Internet, aiming at providing efficient financing facilities for small and medium-sized enterprises and individuals who fail to reach the threshold of financing for traditional financial institutions. However, there are also some loopholes in P2P network lending industry, which are reflected in the lack of uniform system and credit evaluation system, the lack of information disclosure, the low quality of professional personnel, and so on, which result in credit risk, liquidity risk, and so on. Operational risk, guarantee risk, operating risk, etc. is not conducive to the safe and stable operation of the industry. With the help of the risk case of Hongling venture capital platform, this paper identifies the risk types, analyzes the risk sources, measures and puts forward some countermeasures and suggestions for the risk prevention and control of the whole network lending industry in order to provide certain reference significance for the risk prevention and control of the whole network loan industry. The first part of this paper is the introduction, including the research background and purpose significance, the domestic and foreign research summary, the research method and the technical route, as well as the innovation and the deficiency of this paper. The third part is the risk identification of Hongling Venture Investment platform, including the operational risk identified by off-site IT guidance events. The credit risk and guarantee risk identified by the "personal guarantee Standard event" and the liquidity risk and operating risk identified by "100 million Yuan overdue loan event"; the fourth part is the risk source analysis of Hongling Venture Capital platform, including credit risk. The risk sources of liquidity risk, operational risk, guarantee risk and operational risk are analyzed respectively. The fifth part is the risk measurement of Hongling venture capital investment platform. The sixth part is the risk prevention and control countermeasures of Hongling venture capital investment platform, from the government, the platform itself, including the external risk of the platform measured by analytic hierarchy process and the borrower credit risk measured by the Logistic regression model, the sixth part is the risk prevention and control countermeasures of the Hongling venture capital investment platform. Four aspects of market construction, network environment and security construction are put forward to the risk prevention and control of the platform.
【学位授予单位】：山东农业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4;F724.6

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