信用保证保险促进P2P网络借贷的发展研究

发布时间：2018-03-19 06:53

本文选题：P2P网络借贷　切入点：信用保证保险　出处：《安徽财经大学》2017年硕士论文　论文类型：学位论文

【摘要】：P2P网络借贷的出现,实际上是一种金融体系的创新。从另外的一个层面来说,也是当下互联网金融的一种创新体现。随着互联网技术的快速发展,小微企业和个人的借款需求的问题,通过P2P平台的信息发布,可以让资金需求者与资金出借者之间的信息不对称得到缓解,对解决小微企业的融资难题有着重要的意义。另一方面也增添了民间资本的流动的方向,加快民间资金的流动速度。但是P2P网贷的快速发展也带来了很多问题,对于信用风险这个P2P平台中所面临的最大风险,如何通过信用保证保险这一工具,来对风险进行转移与降低,是本文研究的主要方向。本文首先阐述了论文的研究背景和研究意义,提出可以通过保险机制介入来帮助解决P2P问题的构思,并提出以信用保证保险为例来帮助解决这一难题的设想。其次对信息不对称理论、信用理论等基本理论进行阐述,奠定了文章的理论基础。然后论述了目前国内P2P网贷的发展状况,对P2P网贷中所面临的信用风险进入深层次的分析,并指出信用风险管理手段的相关弊端。接着进行发展信用保证保险在促进P2P发展的必要性进行分析,指出发展P2P信用保证保险的作用。再次通过P2P信用保证保险运行机理与案例分析。最后指出发展P2P信用保证保险所面临得几个障碍,并提出相关的对策建议。
[Abstract]:The emergence of P2P network lending is actually an innovation of the financial system. On another level, it is also an innovative embodiment of Internet finance. With the rapid development of Internet technology, The problem of the borrowing needs of small and micro enterprises and individuals can be alleviated by the information release of P2P platform, which can ease the information asymmetry between the fund requesters and the fund lenders. It is of great significance to solve the financing problem of small and micro enterprises. On the other hand, it also increases the direction of private capital flow and speeds up the flow of private capital. However, the rapid development of P2P network loans also brings many problems. For credit risk, the biggest risk in P2P platform, how to transfer and reduce the risk through credit guarantee insurance, It is the main research direction of this paper. Firstly, this paper expounds the research background and significance of the thesis, and puts forward the idea that we can help solve the P2P problem through the intervention of insurance mechanism. It also puts forward the idea of taking the credit guarantee insurance as an example to help solve this problem. Secondly, it expounds the basic theories such as information asymmetry theory, credit theory and so on. The paper lays the theoretical foundation of the article. Then it discusses the development of P2P network loan in China, and analyzes the credit risk in P2P network loan. Then the necessity of developing credit guarantee insurance in promoting the development of P2P is analyzed. This paper points out the function of developing P2P credit guarantee insurance, analyzes the operation mechanism of P2P credit guarantee insurance and case analysis, finally points out several obstacles to the development of P2P credit guarantee insurance, and puts forward some relevant countermeasures and suggestions.
【学位授予单位】：安徽财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.4;F842.6

【相似文献】