基于层次分析法下P2P企业网贷业务风险的测度研究
发布时间：2018-07-25 18:41
【摘要】：P2P网贷是国内近几年新兴起来的网络金融形式,自2006、07年开始国内陆续出现了多个P2P网贷企业平台,至2013年我国P2P网贷步入高速发展期。然而由于P2P网贷行业体制以及国家在互联网金融方面进行的法律及规范定制尚未完成,因此P2P网贷仍存在较多的监管问题。与此同时,在缺乏监管的前提下,P2P网贷市场的发展也缺乏规范性,大量新晋企业为了追求市场占比,忽略了借款人偿债风险问题,大量采用高风险的自建信用机制,很容易产生资金链断裂问题,例如2013年至今国内倒闭的P2P网贷平台就超过100家,涉及贷款人资金损失超过30亿元。本文通过对国内P2P网贷行业中影响力较高的企业进行风险量化分析来为其风险管理提出相关建议和策略。在研究过程中,本文对P2P网贷的发展过程、特点以及基本风险进行了探讨,指出目前P2P企业网贷业务的主要风险在于运营保障、投资人利益保障、借款人信用、业务操作等几个方面,用于构建公司最为基本的风险管理体系框架。而后基于层次分析法,针对P2P企业网贷设立风险度量准则层运营风险、投资人利益风险、借款人信用风险和业务操作风险,并设计四大项风险评估指标以及具体的指标构成权重及评分方法,从而完成评估模型设计。然后运用该模型对P2P企业网贷业务风险进行基本的量化评分和分析,并提出了五项风险管理策略,即建立风险检测体系、实施日常风险报告、全面实行资金第三方托管、创新理财产品组合、加强风险意识文化建设等。
[Abstract]:P2P network loan is a newly emerging network finance form in China in recent years. Since 2006, 2007, there have been many P2P network loan enterprise platforms in China. In 2013, P2P network loan in our country stepped into a period of rapid development. However, due to the system of P2P network loan industry and the customization of national laws and regulations in the area of Internet finance, there are still many problems in the supervision of P2P network loan. At the same time, under the premise of lack of supervision, the development of P2P network loan market is also lack of standardization. In order to pursue market share, a large number of new enterprises ignore the problem of borrower's debt repayment risk, and adopt a large number of self-built credit mechanism with high risk. It is easy to break the capital chain. For example, more than 100 P2P lending platforms have collapsed in China since 2013, involving more than 3 billion yuan in capital losses to lenders. In this paper, the risk quantification analysis of the domestic P2P network loan industry is carried out to put forward the relevant suggestions and strategies for the risk management. In the course of the research, this paper discusses the development process, characteristics and basic risks of P2P network loan, and points out that the main risks of P2P enterprise network loan business are operation security, investor benefit protection, borrower credit, and so on. Business operations and other aspects, used to build the company's most basic risk management system framework. Then, based on the Analytic hierarchy process (AHP), we set up a risk measurement criterion for P2P enterprise network loan, which includes operation risk, investor benefit risk, borrower credit risk and business operation risk. Four risk assessment indexes and specific index constitute weight and scoring method are designed to complete the design of evaluation model. Then the model is used to evaluate and analyze the risk of P2P network loan business, and five risk management strategies are put forward, that is, establishing a risk detection system, carrying out daily risk report, and implementing the third party custody of funds in an all-round way. Innovate financial management product mix, strengthen the construction of risk consciousness culture, etc.
【学位授予单位】：华东师范大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.4
本文编号：2144696
[Abstract]:P2P network loan is a newly emerging network finance form in China in recent years. Since 2006, 2007, there have been many P2P network loan enterprise platforms in China. In 2013, P2P network loan in our country stepped into a period of rapid development. However, due to the system of P2P network loan industry and the customization of national laws and regulations in the area of Internet finance, there are still many problems in the supervision of P2P network loan. At the same time, under the premise of lack of supervision, the development of P2P network loan market is also lack of standardization. In order to pursue market share, a large number of new enterprises ignore the problem of borrower's debt repayment risk, and adopt a large number of self-built credit mechanism with high risk. It is easy to break the capital chain. For example, more than 100 P2P lending platforms have collapsed in China since 2013, involving more than 3 billion yuan in capital losses to lenders. In this paper, the risk quantification analysis of the domestic P2P network loan industry is carried out to put forward the relevant suggestions and strategies for the risk management. In the course of the research, this paper discusses the development process, characteristics and basic risks of P2P network loan, and points out that the main risks of P2P enterprise network loan business are operation security, investor benefit protection, borrower credit, and so on. Business operations and other aspects, used to build the company's most basic risk management system framework. Then, based on the Analytic hierarchy process (AHP), we set up a risk measurement criterion for P2P enterprise network loan, which includes operation risk, investor benefit risk, borrower credit risk and business operation risk. Four risk assessment indexes and specific index constitute weight and scoring method are designed to complete the design of evaluation model. Then the model is used to evaluate and analyze the risk of P2P network loan business, and five risk management strategies are put forward, that is, establishing a risk detection system, carrying out daily risk report, and implementing the third party custody of funds in an all-round way. Innovate financial management product mix, strengthen the construction of risk consciousness culture, etc.
【学位授予单位】：华东师范大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.4
【参考文献】
相关期刊论文 前10条
1 王国刚;张扬;;互联网金融之辨析[J];财贸经济;2015年01期
2 冯果;蒋莎莎;;论我国P2P网络贷款平台的异化及其监管[J];法商研究;2013年05期
3 张志强;;当前我国P2P信贷现状及发展对策[J];华北金融;2013年07期
4 郭忠金;林海霞;;P2P网上借贷信用机制研究——以拍拍贷为例[J];现代管理科学;2013年05期
5 谢平;邹传伟;;互联网金融模式研究[J];金融研究;2012年12期
6 黄震;;P2P网贷行业的发展现状与未来趋势[J];经济导刊;2012年Z3期
7 奚尊夏;;P2P网络借贷组织生存机理与框架设计研究——基于台州案例[J];浙江金融;2012年08期
8 王紫薇;袁中华;钟鑫;;中国P2P网络小额信贷运营模式研究——基于“拍拍贷”、“宜农贷”的案例分析[J];新金融;2012年02期
9 陈静俊;;P2P网络借贷:金融创新中的问题和对策研究[J];科技信息;2011年13期
10 尤瑞章;张晓霞;;P2P在线借贷的中外比较分析——兼论对我国的启示[J];金融发展评论;2010年03期
相关硕士学位论文 前2条
1 薛群群;国内外P2P小额信贷企业运营模式研究及实例分析[D];中央民族大学;2013年
2 沈霞;P2P网络贷款的法律监管探究[D];华东政法大学;2012年
，本文编号：2144696
本文链接：https://www.wllwen.com/jingjilunwen/huobiyinxinglunwen/2144696.html
