P2P网络借贷平台风险控制研究

发布时间：2018-04-23 23:30

本文选题：P2P网络借贷 + 风险管理　；参考：《湘潭大学》2017年硕士论文

【摘要】：P2P网络借贷即个体对个体通过网络进行资金借贷,是一种融合了互联网技术和民间小额信贷的一种新型的借贷形式。这种借贷模式既可以解决当前中小微企业、个体商户融资难的问题,又能满足投资者在当前房市疲软和股市投资功能弱的背景下对投资多样化的需求。与商业银行、贷款公司、民间借贷平台等借贷方式相比,P2P网贷具有着一定的特点,包括以贷款流程方便,效率高;服务对象广阔;投资分散,信用风险较低;利率市场化程度高。由于我国不够健全的法律监管以及不够完善的社会信息体系,加上P2P行业风险管理技术的相对落后,我国P2P网络借贷行业存在严重的风险隐患。P2P网贷存在着一系列的风险,比如借款人还款风险、担保与关联交易风险、借款人骗贷风险、平台欺诈风险、平台操作风险等等,这些风险的存在可能导致资金链断裂。另外,我国P2P网贷的运营中存在以下主要问题:信息不公开,流动性存隐忧;部分平台诈骗、自融,欺骗贷款人;由小额贷款向大额融资模式发展,违约风险集中;缺乏人才及风险量化工具,风险管理能力低等。本文以Lending Club为例详述平台借款者风险控制并与我国典型的P2P网络借贷平台——点融网和e租宝风险管理控制进行了对比,从借款者借贷之前、借贷之中与借贷之后的风险管理进行对比发现问题,以及网络安全、线上线下业务比例、制度建设等方面提出解决办法。
[Abstract]:P2P network lending is a new type of loan which combines Internet technology and private micro-credit. This kind of lending model can not only solve the problem of financing difficulty of small and medium-sized enterprises and individual merchants, but also satisfy the investors' demand for investment diversification under the background of weak housing market and weak investment function of stock market. Compared with commercial banks, loan companies and private lending platforms, P2P network lending has some characteristics, including convenient loan process, high efficiency, broad service object, dispersed investment and low credit risk. Interest rate marketization degree is high. Due to the imperfect legal supervision and social information system in our country and the relative backwardness of risk management technology in P2P industry, there are a series of risks in P2P network lending industry in China. For example, borrower repayment risk, guarantee and related party transaction risk, borrower fraud risk, platform fraud risk, platform operation risk and so on, the existence of these risks may lead to fund chain break. In addition, there are the following main problems in the operation of P2P network loan in China: information is not open, liquidity is hidden, part of platform fraud, self-financing, cheating lenders, from small loans to large financing mode, default risk concentration; Lack of talent and risk quantification tools, low risk management skills, etc. This paper takes Lending Club as an example to detail the risk control of borrowers, and compares it with the typical P2P network lending platforms in China, such as point melting network and e-Zanbao risk management control, before borrowing from borrowers. Compared with the risk management after borrowing, the paper puts forward some solutions to the problems, such as network security, the proportion of online and offline business, system construction and so on.
【学位授予单位】：湘潭大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.4

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