我国P2P产品创新、风险控制、行业监管的研究分析

发布时间：2018-06-10 20:52

  本文选题：P2P + 金融创新　； 参考：《对外经济贸易大学》2015年硕士论文

【摘要】：作为互联网金融领域重要的组成部分,P2P将互联网和金融创新进行了深度融合。2014年进入大规模爆发性增长期,预计到2015年年底,总体规模将突破万亿级别。作为对中国金融体制的创新性改革,P2P获得不断的发展壮大,促进了国民经济的发展,促进了金融创新的步伐。随之而来的是层出不穷的风险、问题和隐忧。P2P综合了互联网信息服务和金融服务的双重身份,许多创新产品业务边界十分模糊,传统监管难以实施。线上线下结合的模式,使得业务不透明和信息不对称。进行产品创新的同时,由于缺乏专业的管理经验和对非系统性风险的防范机制和控制能力,众多平台在资金错期机制和利益分配机制等方面暴露风险。金融的本质是风险管理,任何一个成功的金融企业的运作,总离不开在法律和监管下,对流动性和信用风险的良好控制。因此,研究P2P企业的产品创新和行业监管,以及风险控制和征信体系的建立,对于这个行业健康有序的发展,具有非常重要的意义。本文通过文献调研、统计分析与实证研究结合的方式,找出我国P2P产品创新的机遇,以及可能的路径和逻辑;分解平台的潜在风险点,提出加强风险控制的相关建议;最后从目前监管面临的主要问题出发,综合国际监管经验,提出国内P2P监管的要点和方式。
[Abstract]:P2P, an important part of Internet finance, has deeply integrated Internet and financial innovation. In 2014, it has entered a period of explosive growth, and by the end of 2015, the overall scale is expected to exceed trillion levels. As an innovative reform of China's financial system, P2P has been continuously developing, promoting the development of the national economy and promoting the pace of financial innovation. Problems and worries. P2P combines the dual identity of Internet information services and financial services, many innovative products business boundaries are very vague, traditional supervision is difficult to implement. Online and offline combination of the mode, making business opaque and information asymmetry. At the same time, due to the lack of professional management experience and the ability to prevent and control non-systemic risks, many platforms are exposed to risks in the aspects of fund mistiming mechanism and benefit allocation mechanism. The essence of finance is risk management. The operation of any successful financial enterprise is always inseparable from the good control of liquidity and credit risk under the law and supervision. Therefore, it is of great significance to study the product innovation and industry supervision of P2P enterprises, as well as the establishment of risk control and credit system for the healthy and orderly development of the industry. Through literature investigation, statistical analysis and empirical research, this paper finds out the opportunity of P2P product innovation in China, as well as the possible path and logic, decomposes the potential risk points of the platform, and puts forward relevant suggestions to strengthen risk control. Finally, the main points and methods of domestic P2P supervision are put forward based on the main problems of current supervision and international supervision experience.
【学位授予单位】：对外经济贸易大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F724.6;F832.4

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本文编号：2004598