关系型、交易型互联网贷款的信贷风险对比研究

发布时间：2018-01-23 03:19

本文关键词： 互联网贷款交易型互联网贷款关系型互联网贷款信贷风险银行监管　出处：《西安交通大学学报(社会科学版)》2017年06期 　论文类型：期刊论文

【摘要】：基于波尔顿等的互联网贷款理论模型,以阿里小贷、Kabbage公司、P2P贷款公司为研究对象,检验了关系型与交易型互联网贷款的信贷风险差异。理论和案例研究表明:属于关系型互联网贷款的阿里小贷和Kabbage公司,形成了基于电子商务的互联网贷款模式,其优势在于动态、连续、充分地掌握了电商的经济行为和资信状况,能迅速准确评估电商的信用风险;而属于交易型互联网贷款的P2P贷款公司,其实质是传统信贷业务的简单互联网化,不仅无助于化解信息不对称引发的信贷风险,而且叠加了网络非面对面识别的风险。因此,应参照银行业监管规则,针对关系型互联网贷款和交易型互联网贷款的风险特征,制定切实可行的监管细则,实现互联网贷款在风险可控范围内的可持续发展。
[Abstract]:The theoretical model of Internet based on the loan to Bolton, Ali small loans, Kabbage company, P2P loan company as the research object, to test the relationship between credit risk and trade Internet loan. The theoretical and case study show that the relationship between Internet belongs to the loan Ali small loan and Kabbage company, formed the electronic Commerce Internet loan based on the model, its advantage lies in the dynamic, continuous, fully grasp the business economic behavior and credit conditions, can quickly and accurately assess the business credit risk; P2P loan companies and loan transactions belong to the Internet, which is the essence of the traditional credit business simple Internet, will not help to resolve the credit risk caused by asymmetric information but, the superposition of non face to face recognition network risk. Therefore, should refer to the banking regulatory rules, to the relationship between the Internet and transactional Internet credit loans The characteristics of the risk of the money, the formulation of practical regulatory rules, and the realization of the sustainable development of Internet loans within the range of risk control.

【作者单位】：西安交通大学经济与金融学院;中国人民银行西安分行营业管理部;陕西师范大学国际商学院;
【分类号】：F724.6;F832.4
【正文快照】： 互联网贷款热潮过后,P2P贷款公司纷纷跑路,而同为互联网贷款公司的阿里小贷却实现了持续稳健的发展。从不良贷款率来看,阿里小贷近年来控制在1%以内,而国外运营较成熟的P2P贷款公司,其逾期率和坏账率一般为3%左右。中国银监会官方网站披露的商业银行2015年、2016年坏账率大约

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