TNW网络借贷平台车贷风险管理研究

发布时间：2018-04-27 19:51

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】：自从中国引入P2P网络借贷模式以来,P2P平台一直处在野蛮生长阶段,在这十年中由零快速成长到了将近四千家。2015年7月,经党中央、国务院同意,中央银行等多个部门共同印发了《关于促进互联网金融健康发展的指导意见》,用来规范互联网金融的健康发展,此后能继续正常运行的P2P平台锐减至两千五百多家。这些问题平台多数是因为自身的风险管理能力不强,导致提现困难,资金难以为继,不得已只能倒闭关门。而且今后国家会不断加大力度清理P2P网络借贷市场,因此现在还能正常运行的平台只有努力提高平台自身风险管理能力,改善自身风险管理体系,才可以有实力在这次市场扫荡中保存下来,才可以推动整个行业的健康发展。该文通过研究该行业现在已有的成果,发现关于此课题的研究多以P2P行业的风险管理作为研究对象或者是以经营纯信用贷款业务的P2P借贷平台的风险管理作为案例分析,而缺少针对以经营抵押贷款为主要业务的P2P借贷平台风险管理的案例分析。因此,该文选取了TNW网络借贷平台作为案例研究其风险管理。TNW网络借贷平台是一个非常优秀的平台,在网络借贷之家的综合评定排名前十,在盈利能力、经营模式、风险管理等方面都做得不错。该平台经营车辆抵押贷款、房屋抵押贷款、个人信用贷款,其中车辆抵押贷款为其主要经营业务。学者一般认为,有抵押物的贷款比纯信用的贷款风险要小,因此经营抵押贷款的平台比经营纯信用贷款的平台更为稳健。但是,在创新型的金融模式下,即便是经营抵押贷款的稳健型平台也仍然存在风险问题。该文站在这个角度对TNW网络借贷平台的风险管理进行研究,识别出其存在的风险,对风险进行分析和评估,并提出相应的解决方法,以帮助TNW网络借贷平台实现健康发展。同时也希望能够对其他P2P网络借贷平台,乃至整个P2P行业有借鉴的作用。该文采用了文献分析法和案例研究法等方法对TNW网络借贷平台的风险管理进行研究,发现TNW网络借贷平台的主营车贷业务在信用风险、操作风险等方面存在问题。该文认为其存在问题的原因主要是因为信息不对称、盲目扩张市场、平台工作人员素质不高。该文为TNW网络借贷平台在完善贷前、贷中、贷后风险管理等方面提出了具体的建议。作者希望经过对TNW网络借贷平台风险管理这个案例的研究,能够提出适合中国P2P网络借贷平台有效可行的风险管理办法,并希望能同时给P2P网络借贷行业的稳健发展提供一点帮助。
[Abstract]:Since the introduction of the P2P network lending model in China, the P2P platform has been in a stage of savage growth, from zero to nearly 4,000 in this decade. In July 2015, with the approval of the CPC Central Committee and the State Council, The Central Bank and other departments have jointly issued the guidelines on promoting the healthy Development of Internet Finance, which is used to standardize the healthy development of Internet Finance. Since then, the number of P2P platforms that can continue to operate has plummeted to more than 2500. Most of these problem platforms are because their own risk management ability is not strong, resulting in cash difficulties, capital is unsustainable, had to close down. Moreover, in the future, the country will continue to increase efforts to clean up the P2P network lending market. Therefore, the platform that can still operate normally now has to strive to improve the platform's own risk management capability and improve its own risk management system. In order to have the strength in this market sweep to preserve, can promote the healthy development of the entire industry. By studying the existing achievements of this industry, this paper finds that the research on this subject is mostly based on the risk management of P2P industry or the risk management of P2P lending platform which is engaged in pure credit loan business as a case study. However, there is a lack of case study on risk management of P2P lending platform in which mortgage is the main business. Therefore, this paper selects TNW Network Lending platform as a case study of its risk management. TNW Network Lending platform is a very excellent platform. Risk management and other aspects are doing well. The platform operates on vehicle mortgages, home mortgages, and personal credit loans, of which vehicle mortgages are its main business. Scholars generally believe that mortgage loans are less risky than pure credit loans, so the platform of managing mortgage loans is more stable than that of pure credit loans. However, under the innovative financial model, even the robust platform of operating mortgage still has the risk problem. From this point of view, this paper studies the risk management of TNW network lending platform, identifies its existing risks, analyzes and evaluates the risks, and puts forward corresponding solutions to help the TNW network lending platform achieve a healthy development. At the same time, I hope it can be used for reference to other P2P network lending platforms and even the whole P2P industry. This paper uses the methods of literature analysis and case study to study the risk management of TNW network lending platform, and finds that there are some problems in the credit risk and operation risk of the main vehicle loan business of the TNW network loan platform. This paper argues that the main causes of the problems are information asymmetry, blind expansion of the market and poor quality of the platform staff. This paper puts forward some concrete suggestions on how to improve the risk management of TNW network lending platform before, during and after lending. The author hopes that by studying the case of risk management of TNW network lending platform, the author can put forward effective and feasible risk management methods suitable for China's P2P network lending platform. And hope can at the same time provide a little help to the steady development of P2P network lending industry.
【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】：F832.4;F724.6

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