基于融资担保机制的P2P网络借贷满足性研究

发布时间：2018-01-09 05:36

本文关键词：基于融资担保机制的P2P网络借贷满足性研究　出处：《广西师范大学》2017年硕士论文　论文类型：学位论文

【摘要】：P2P行业的两端,一端是财富管理,另一端是消费金融,不论是消费金融还是财富管理,都是万亿级的行业,都在安全性保障下追求自身利益最大化,即财富管理的资本增值最大化和消费金融的成本最小化。平台引入担保机制恰恰为P2P网贷平台的参与者提供了安全保障。充分、合理的运用融资担保模式,在一定程度上弥补了市场缺失,降低投资风险,更好的服务于融资者和投资者。然而,引入担保机制导致P2P网贷平台功能异化与错位,明显具有影子银行的特性,并产生许多信用风险问题。近年来,P2P网贷行业频繁曝光资金安全威胁,提现困难、失联、跑路等事件频频发生。网贷行业在经历了“放羊式”繁荣发展后,2016年步入了行业整治监管元年,迎来了一个分水岭式的转折拐点。2016年8月17日,《网络借贷信息中介机构业务活动管理暂行办法》的第二条明确提出P2P平台的信息服务中介地位,强化了行业要“去担保化”的趋势。本文拟采取以P2P网络借贷的相关概念和理论基础为论文的研究出发点,在借鉴国内外学者的研究成果的基础上,分析了 P2P网络借贷行业的现实背景和发展现状,网贷融资担保模式的起源和模式简介以及存在的问题,并对三种担保模式下的五种担保方式进行比较与整合,采取二元logistic回归分析和线性回归分析方法,对P2P网络借贷的融资满足性进行实证研究。第一部分是导论,明确研究背景与意义、研究框架以及论文的创新与不足之处。第二部分是整理阐述国内外文献成果,主要针对四个方面作了详细的介绍:网贷平台模式的综合研究、网贷融资担保的综合研究、网贷平台信息不对称的研究和网贷参与主体的行为研究。第三部分是整理阐述了网络借贷融资担保相关概念和理论基础。第四部分是对我国P2P网络借贷的发展现状进行分析,梳理我国P2P网贷融资担保的起源和网贷融资担保模式,并分析P2P网贷平台存在诸多的风险、问题,并探讨了我国网贷平台“去担保化”趋势的障碍。第五部分是担保模式对P2P网络借贷融资满足性的实证分析。采取二元logistic回归分析和线性回归分析方法,对P2P网络借贷的融资满足性进行实证研究,主要研究:①五个担保模式下网贷平台融资满足性的异同分析;②在模型中加入担保模式作为自变量进行分析,研究担保模式对网贷融资满足性的影响关系,并对实证研究结果做出合理分析。第六部分,为了更好的推进我国P2P网贷市场的转型升级和健康、稳定的发展,综合理论分析与实证研究结果的基础上,旨在我国网贷行业监管整治阶段和平台去担保化的转型阶段中,针对融资担保模式的不足和风险,对于平台担保的改革转型提供有效的意见和建议。本文认为应当构建多元化网络融资担保监管机制:完善网贷担保机制法律监管体系、完善网贷担保机构的资质审核和准入退出机制、完善社会征信机制和信息披露制度;引入银行、保险机构,构建多样化的P2P网贷担保服务模式;梳理理性投资理念,合理甄别信息,强化风险防范。
[Abstract]:Both ends of the P2P industry, one is wealth management, the other end is consumer finance, whether it is consumer finance and wealth management, are trillion industry, are seeking to maximize their own interests in security, namely the wealth management capital appreciation maximization and consumer finance cost minimization. It introduced the guarantee mechanism platform to provide for the security of P2P net loan platform participants. Fully, reasonable use of financing guarantee mode, to a certain extent make up for lack of market and reduce the investment risk, to better serve the financiers and investors. However, in guarantee mechanism to cause the P2P net loan platform function of alienation and dislocation, with obvious characteristics of shadow banking the credit risk and produce many problems. In recent years, P2P net loan industry funds frequently exposed security threats, cash difficulties, lost contact, run away frequent incidents. Net loan industry has experienced " The sheep "boom after 2016 entered the industry supervision regulation year ushered in a turning point watershed.2016 in August 17th second," Interim Measures for the business management information network lending intermediaries > clearly P2P platform of information intermediary service status, strengthen the industry to guarantee of the trend. This article intends to take on the concept of P2P lending network and theoretical basis for the starting point, on the basis of research results of domestic and foreign scholars on the analysis of the present situation and development background of P2P network lending industry, introduction of the origin and mode of net loan financing mode and the existing problems, five by way of security and the three guarantee mode is compared with the integration, take two yuan logistic regression analysis and linear regression analysis method, the P2P network lending financing to meet the needs of empirical Study. The first part is the introduction, clarifies the research background and significance, research framework and innovations. The second part is finishing the elaboration of domestic and foreign literatures, mainly introduced in four aspects: comprehensive research on the net loan platform mode, comprehensive research on the net loan financing guarantee, network behavior research loan platform of information asymmetry research and net loan participation. The third part is the network lending financing guarantee related concepts and theoretical basis of consolidation. The fourth part is the current situation of the development of online P2P lending in China is analyzed, and the origin of comb net loan financing guarantee mode of China's P2P net loan financing guarantee, and analysis P2P net loan platform has many risk problems, and discusses China's net loan platform to guarantee the trend of obstacles. The fifth part is the guarantee mode of P2P network lending financing to meet the empirical Take two yuan analysis. Logistic regression analysis and linear regression analysis method, the P2P network lending financing to meet the needs of empirical research, main research: analysis of the similarities and differences of the five net loan financing platform to meet the security mode; II joined the guarantee model in the model were analyzed as independent variable, research on network security model loan financing to meet the influence of the relationship, and make a reasonable analysis of the results of empirical research. The sixth part, in order to better promote China's P2P net loan market transformation and upgrading of healthy and stable development, based on theoretical analysis and empirical research results on the transition stage aims to China net loan industry regulation and rectification stage the platform to guarantee the financing guarantee mode, aiming at the problems and risks, to provide effective advice and suggestions for the reform of the platform security transformation. This paper thinks that we should build a diversified network financing. Insurance Regulatory Mechanism: perfecting legal supervision system of net loan guarantee mechanism, improve the net loan guarantee agency qualification and entry exit mechanism, improve the social credit system and information disclosure system; introducing the bank, insurance institutions, the construction of the diversified P2P net loan guarantee service mode; combing the rational investment philosophy, reasonable screening information, strengthen risk prevention.

【学位授予单位】：广西师范大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.4

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