RS互联网信贷平台贷款业务内部控制问题研究

发布时间：2018-08-16 14:41

【摘要】：自2013年起,因为网贷平台的贷款信息发布快捷灵活、贷款手续简化以及成本低等优点,网络借贷平台发展非常迅猛。和传统的银行贷款业务相比较,网络借贷平台的行业监管是不完善的,所以需要承受更多的风险。同时随着网络借贷的持续性发展,越来越多的个人和企业投身于网贷行业中来。但是由于行业监管没有跟上网络贷款企业发展的速度,以及与此相关的法律法规没有及时落实,所以部分网络借贷企业不断演变成网络借贷问题平台。一直到2016年12月底,有大约2200家网络借贷问题平台,许多网络借贷平台的倒闭也使人们开始警觉。2016年10月31 日,国务院正式发布了《互联网金融风险专项整治工作实施方案》,同时,中国人民银行等十几个部委发布了网络借贷等多个细分领域风险整治文件,无疑规范了网络借贷平台内部控制架构和要求,这对网络借贷平台敲响了一记警钟,因此对于互联网信贷平台的内部控制进行研究是非常必要的。本文的研究意义是希望通过对RS互联网信贷平台的贷款业务内部控制进行分析,研究其面临的贷款业务内部控制问题,在此基础上探讨出适合网络借贷企业的行之有效的贷款业务内部控制建设,并希望能为行业内的其它公司提供参考。全文共分为四个部分,第一部分主要从内部控制的概念以及内部控制五要素入手介绍了内部控制,并且介绍了包括贷款环节和贷款方式的贷款业务内部控制。第二部分主要介绍了 RS平台的基本情况和涉及的贷款业务并且介绍其贷款业务内部控制的现状。第三部分主要从各个不同方面来阐述RS平台内部控制存在的主要问题并且分析平台产生问题的原因。第四部分主要通过分析得来的RS平台内部控制问题产生的原因,提出相应的解决措施。
[Abstract]:Since 2013, because of the advantages of quick and flexible loan information release, simplified loan procedures and low cost, the online loan platform has developed rapidly. Compared with the traditional bank loan business, the industry regulation of the network lending platform is not perfect, so it needs to bear more risks. At the same time, with the continuous development of online lending, more and more individuals and enterprises are engaged in the online lending industry. However, since industry regulation has not kept pace with the development of online lending enterprises, and the relevant laws and regulations have not been implemented in time, some online lending enterprises have evolved into a network lending problem platform. As of the end of December 2016, there were about 2200 online lending platforms, and the collapse of many online lending platforms has alerted people. October 31, 2016. The State Council has officially issued the "implementation Plan for the Special rectification of Internet Financial risks." at the same time, the people's Bank of China and more than a dozen ministries and commissions have issued documents on risk control in a number of subdivision areas, such as network lending. There is no doubt that the internal control structure and requirements of the network lending platform are standardized, which sounds an alarm to the network lending platform. Therefore, it is very necessary to study the internal control of the Internet credit platform. The research significance of this paper is to analyze the internal control of the loan business of RS Internet credit platform, and to study the internal control problem of the loan business. On this basis, this paper discusses the effective internal control construction of loan business suitable for network lending enterprises, and hopes to provide reference for other companies in the industry. This paper is divided into four parts. The first part introduces the internal control from the concept of internal control and the five elements of internal control, and introduces the internal control of loan business, including the loan link and loan mode. The second part mainly introduces the basic situation of RS platform and the loan business involved, and introduces the present situation of internal control of the loan business. In the third part, the main problems in the internal control of RS platform are explained from different aspects and the causes of the problems are analyzed. In the fourth part, the causes of the internal control problems of RS platform are analyzed, and the corresponding solutions are put forward.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4;F724.6;F830.42

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