互联网贷款平台的（经营）风险及其管理
发布时间：2018-09-19 20:49
【摘要】：互联网贷款平台是一种基于传统借贷服务,与网络信息技术有机结合并顺应时代潮流发展的全新产物。互联网贷款平台准入门槛低、受惠人口广,金融服务覆盖率高,是一种倡导广泛化、民主化的新型金融模式。但同时,也存在诸多与互联网贷款行业蓬勃发展相背离的事件,由于互联网贷款领域准入门槛低、行业监管缺乏、自律意识差等因素引发的风险问题也逐步凸现出来,跑路、提现困难、经侦介入等互联网贷款平台恶性退出事件频发。因为在恶性退出事件发生前很多平台都运营良好、未发生异常情况,所以未知与突发的风险给平台经营者与投资方的打击与损失更为巨大。事实上,互联网贷款平台作为撮合借贷的桥梁,自身并不会提供太多借款资本,其不仅面临由于信息不对称造成借款无法收回的问题,还存在由于无法收回借款而导致平台上的资金借出者和平台的投资者投资失败的问题,本文研究的侧重点与其他文章不同,不在于研究如何防范资金借入者逾期还款甚至骗贷的问题,而在于研究影响互联网贷款平台正常经营的影响因素。对互联网贷款行业的健康发展有一定的参考意义。本文先分别介绍了国内外互联网贷款平台的发展现状与不同运营模式,采用网贷之家发布的最新数据说明2016年至2017年我国互联网贷款平台的基本情况与变化趋势,并对不同运营模式分别分析,说明各自发展优势与不足,并对风险进行理论阐述。接下来采用描述性分析与Logistic回归分析相结合的方式,对互联网贷款平台经营风险进行实证分析,发现影响网贷平台正常经营的因素有注册资本数量,是否有风险准备金,风险准备金额度,经营模式数量,与担保公司合作,与融资租赁公司合作,其他经营模式,是否加入协会,银行存管,获得ICP许可,加入第三方征信平台,接受网络考察、综合收益率的高低等13个因素,并且除综合收益率的高低外,其他因素均与网络平台的正常经营正相关。网贷平台的上线时间、资本背景、与小贷公司合作、进行平台垫付、与保险公司合作,与保理公司合作则对平台能否正常经营的影响不明显。最后分别从国家宏观角度、互联网贷款平台中观层面与互联网贷款平台微观层面三方面提出防范风险策略。
[Abstract]:Internet loan platform is a new product which is based on the traditional lending service, organically combines with the network information technology and conforms to the trend of the times. Internet loan platform has low entry threshold, wide beneficiary population and high coverage of financial services. It is a new financial model that advocates extensive and democratization. But at the same time, there are also many incidents that deviate from the booming development of the Internet loan industry. Because of the low entry threshold in the field of Internet loans, the lack of supervision in the industry, the lack of self-discipline awareness and other factors, the risk problems have gradually emerged and run away. Difficult to withdraw, such as detection intervention and other Internet loan platform malignant withdrawal events frequently. Because many platforms operate well before the malignant exit event, there is no abnormal situation, so the risk of unknown and unexpected attack and loss to platform operators and investors is even greater. In fact, Internet lending platforms, which act as bridges between lending and lending, do not provide much borrowing capital on their own, not only because of information asymmetry, which makes loans uncollectible. There are also the problems of the failure of the investment of the fund lenders and investors on the platform due to the inability to recover the loans. The emphasis of this paper is different from other articles. It is not about how to prevent the loaner from overpaying or even deceiving the loan, but about the influencing factors that affect the normal operation of the Internet loan platform. For the healthy development of the Internet loan industry has a certain reference significance. This paper first introduces the current situation and different operating modes of Internet loan platforms at home and abroad, and explains the basic situation and changing trend of Internet loan platforms in China from 2016 to 2017 by using the latest data released by Internet loan House. And analyzes the different operation modes, explains their respective development advantages and disadvantages, and expounds the risk theory. Then, by combining descriptive analysis with Logistic regression analysis, the paper makes an empirical analysis on the operating risk of Internet loan platform, and finds out that the factors that affect the normal operation of Internet loan platform are the number of registered capital and the risk reserve. The amount of risk reserve, the number of business models, cooperation with guarantee companies, cooperation with financial leasing companies, other business models, whether to join the association, bank deposit management, obtain ICP permission, join the third-party credit platform, accept network inspection, There are 13 factors, such as the comprehensive return rate, and all other factors are positively related to the normal operation of the network platform except the comprehensive rate of return. The online time, capital background, cooperation with small loan companies, advance payment with insurance companies, and cooperation with factoring companies have no obvious impact on the normal operation of the platform. Finally, from the national macro point of view, Internet loan platform meso level and Internet loan platform micro level three aspects of risk prevention strategy.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.4
本文编号：2251298
[Abstract]:Internet loan platform is a new product which is based on the traditional lending service, organically combines with the network information technology and conforms to the trend of the times. Internet loan platform has low entry threshold, wide beneficiary population and high coverage of financial services. It is a new financial model that advocates extensive and democratization. But at the same time, there are also many incidents that deviate from the booming development of the Internet loan industry. Because of the low entry threshold in the field of Internet loans, the lack of supervision in the industry, the lack of self-discipline awareness and other factors, the risk problems have gradually emerged and run away. Difficult to withdraw, such as detection intervention and other Internet loan platform malignant withdrawal events frequently. Because many platforms operate well before the malignant exit event, there is no abnormal situation, so the risk of unknown and unexpected attack and loss to platform operators and investors is even greater. In fact, Internet lending platforms, which act as bridges between lending and lending, do not provide much borrowing capital on their own, not only because of information asymmetry, which makes loans uncollectible. There are also the problems of the failure of the investment of the fund lenders and investors on the platform due to the inability to recover the loans. The emphasis of this paper is different from other articles. It is not about how to prevent the loaner from overpaying or even deceiving the loan, but about the influencing factors that affect the normal operation of the Internet loan platform. For the healthy development of the Internet loan industry has a certain reference significance. This paper first introduces the current situation and different operating modes of Internet loan platforms at home and abroad, and explains the basic situation and changing trend of Internet loan platforms in China from 2016 to 2017 by using the latest data released by Internet loan House. And analyzes the different operation modes, explains their respective development advantages and disadvantages, and expounds the risk theory. Then, by combining descriptive analysis with Logistic regression analysis, the paper makes an empirical analysis on the operating risk of Internet loan platform, and finds out that the factors that affect the normal operation of Internet loan platform are the number of registered capital and the risk reserve. The amount of risk reserve, the number of business models, cooperation with guarantee companies, cooperation with financial leasing companies, other business models, whether to join the association, bank deposit management, obtain ICP permission, join the third-party credit platform, accept network inspection, There are 13 factors, such as the comprehensive return rate, and all other factors are positively related to the normal operation of the network platform except the comprehensive rate of return. The online time, capital background, cooperation with small loan companies, advance payment with insurance companies, and cooperation with factoring companies have no obvious impact on the normal operation of the platform. Finally, from the national macro point of view, Internet loan platform meso level and Internet loan platform micro level three aspects of risk prevention strategy.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.4
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