互联网金融环境下DDB金融平台风险管理研究

发布时间：2018-08-26 11:18

【摘要】：随着信息技术的发展,民间借贷这一古老的资金融通方式也借助信息技术的支持演变出了P2P网络借贷模式,作为一种新的金融创新模式,P2P网络借贷平台出现后,引起了整个社会的高度关注,大大缓解了众多中小微企业融资难问题。但是在当今的互联网金融的背景下,网络借贷平台的风险管理与防控还处于空白阶段,其相关风险问题逐步开始显露。本文首先对互联网金融环境下P2P网络借贷平台进行概述,介绍了互联网金融的特点,P2P网络借贷平台的概念、特征、运营模式及现状,然后介绍了风险管理概念、网络借贷平台风险分类及风险管理策略。结合具体DDB金融平台为例,介绍了DDB金融平台的建立、运营原理及操作流程,分析了DDB金融平台的产品及风险管理制度,最后对DDB金融平台2015年度交易数据进行了综合分析。通过对DDB金融平台的介绍,本文对DDB金融平台实际运营过程中在法律、管理运营、信用、技术安全四个方面存在的风险进行分析,并从内部控制制度、风险管理专业人才、信息不对称、信用评级标准及征信体系四个方面分析其风险成因。最后,从完善内部控制体系、强化风险自我约束能力、建立风险防控信用系统、建立地域发展模式四个方面提出了相关对策建议。
[Abstract]:With the development of information technology, private lending, an ancient mode of financing, has also evolved a P2P network lending model with the support of information technology. As a new financial innovation model, P2P network lending platform has emerged. It has aroused great concern of the whole society and greatly alleviated the financing difficulties of many small and medium-sized enterprises. However, under the background of Internet finance, the risk management and prevention and control of network lending platform is still in the blank stage. This paper first summarizes the P2P network lending platform under the Internet financial environment, introduces the characteristics of Internet finance and the concept, characteristics, operation mode and current situation of P2P network lending platform, then introduces the concept of risk management. Network lending platform risk classification and risk management strategy. Taking the DDB financial platform as an example, this paper introduces the establishment, operation principle and operation flow of the DDB financial platform, analyzes the product and risk management system of the DDB financial platform, and finally makes a comprehensive analysis of the transaction data of the DDB financial platform in 2015. Through the introduction of DDB financial platform, this paper analyzes the risks in four aspects of law, management operation, credit and technical safety in the actual operation of DDB financial platform, and analyzes the risk management professionals from the internal control system, risk management professionals, etc. Information asymmetry, credit rating standards and credit system analysis of its risk causes. Finally, the paper puts forward some countermeasures and suggestions from four aspects: perfecting internal control system, strengthening risk self-restraint ability, establishing risk prevention and control credit system and establishing regional development model.
【学位授予单位】：沈阳理工大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832

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