点融网P2P平台风险控制案例分析
发布时间：2018-08-19 12:31
【摘要】：近年来,随着互联网技术在实体经济的广泛应用,"互联网+"思维逐渐渗透到金融领域,互联网金融应运而生。P2P网络借贷是一种区别于传统金融的创新金融平台,自2007年我国第一家P2P平台"拍拍贷"成立之后,平台数量迅速增加,截至2017年2月份,在线运营数量高达2335家,网贷余额创历史新高。在P2P行业规模不断扩张的同时,风险也在不断的暴露,平台跑路、资金链断裂的现象屡见不鲜。本文以国内外文献为切入点,通过系统地学习P2P平台风险管理理论,借鉴前人对P2P平台风险管理的研究方法和研究成果,在此基础上将全面风险管理理论、P2P基础理论作为文章的理论依据。通过深入分析国内P2P平台在信用风险、操作风险等方面采取的具体措施,认为我国P2P平台在风险控制方面主要存在三大问题:在信用风险控制中,贷后资金用途缺乏监管导致借款人从事高风险的投资;在法律风险控制中,行业监管体系缺失、配套设施不健全导致P2P平台缺乏外部监管;在操作风险中,因中间账户资金被挪用的风险难以控制,而导致平台跑路的现象。点融网作为国内发展速度最快的P2P平台,代表目前P2P平台发展的特性,它在风险管理方面具有典型性。因此本文将选取点融网作为案例,分析其存在的风险以及采取的风险控制措施,得出点融网在合规风险控制和信用风险控制中存在的问题。通过分析问题产生的原因并结合全面风险管理理论为其设计出全面风险管理体系。这对于构建我国P2P平台的风险管理体系具有实践意义。
[Abstract]:In recent years, with the wide application of Internet technology in the real economy, the thinking of "Internet" is gradually infiltrating into the financial field. Internet finance emerges as the times require. P2P network lending is a kind of innovative financial platform, which is different from traditional finance. Since the establishment of PPDAI, the first P2P platform in China in 2007, the number of platforms has increased rapidly. As of February 2017, the number of online operations has reached 2335, and the balance of net loans has reached a record high. While the scale of P2P industry is expanding, the risks are exposed constantly. The phenomenon of platform running and capital chain breaking is common. Based on the domestic and foreign literature, this paper systematically studies the theory of P2P platform risk management, and draws lessons from the previous research methods and research results of P2P platform risk management. On this basis, the overall risk management theory and P2P basic theory as the theoretical basis of the article. Through in-depth analysis of the specific measures taken by domestic P2P platforms in the aspects of credit risk and operational risk, it is concluded that there are three main problems in the risk control of our country's P2P platform: in the credit risk control, The lack of supervision on the use of loan funds leads borrowers to engage in high-risk investment; in the legal risk control, the lack of industry regulatory system, inadequate supporting facilities lead to the lack of external supervision of P2P platform; in the operational risk, Due to the risk of misappropriation of funds in intermediate accounts is difficult to control, leading to platform running phenomenon. As the fastest developing P2P platform in China, point melt network represents the characteristics of P2P platform development at present, and it is typical in risk management. Therefore, this paper selects the point network as a case, analyzes its existing risks and risk control measures, and obtains the problems in compliance risk control and credit risk control. By analyzing the causes of the problem and combining with the theory of overall risk management, a comprehensive risk management system is designed. This has practical significance for constructing the risk management system of P2P platform in our country.
【学位授予单位】：哈尔滨商业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.4
[Abstract]:In recent years, with the wide application of Internet technology in the real economy, the thinking of "Internet" is gradually infiltrating into the financial field. Internet finance emerges as the times require. P2P network lending is a kind of innovative financial platform, which is different from traditional finance. Since the establishment of PPDAI, the first P2P platform in China in 2007, the number of platforms has increased rapidly. As of February 2017, the number of online operations has reached 2335, and the balance of net loans has reached a record high. While the scale of P2P industry is expanding, the risks are exposed constantly. The phenomenon of platform running and capital chain breaking is common. Based on the domestic and foreign literature, this paper systematically studies the theory of P2P platform risk management, and draws lessons from the previous research methods and research results of P2P platform risk management. On this basis, the overall risk management theory and P2P basic theory as the theoretical basis of the article. Through in-depth analysis of the specific measures taken by domestic P2P platforms in the aspects of credit risk and operational risk, it is concluded that there are three main problems in the risk control of our country's P2P platform: in the credit risk control, The lack of supervision on the use of loan funds leads borrowers to engage in high-risk investment; in the legal risk control, the lack of industry regulatory system, inadequate supporting facilities lead to the lack of external supervision of P2P platform; in the operational risk, Due to the risk of misappropriation of funds in intermediate accounts is difficult to control, leading to platform running phenomenon. As the fastest developing P2P platform in China, point melt network represents the characteristics of P2P platform development at present, and it is typical in risk management. Therefore, this paper selects the point network as a case, analyzes its existing risks and risk control measures, and obtains the problems in compliance risk control and credit risk control. By analyzing the causes of the problem and combining with the theory of overall risk management, a comprehensive risk management system is designed. This has practical significance for constructing the risk management system of P2P platform in our country.
【学位授予单位】：哈尔滨商业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.4
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