中国P2P网络借贷平台运营模式及其风险探究

发布时间：2018-01-02 14:08

本文关键词：中国P2P网络借贷平台运营模式及其风险探究　出处：《华东理工大学》2017年硕士论文　论文类型：学位论文

【摘要】：近年来,P2P平台在我国发展迅速,每年有数百家P2P平台成立,但是也有为数众多的平台出现跑路、倒闭等问题,甚至出现了投资者血本无归的欺诈案例,法律的空白、监管的缺失使P2P平台发展遇到瓶颈,P2P平台未来的发展面临众多风险隐患。对于投资者、P2P平台、甚至于整个金融体系来说,对风险进行有效的评估、建立合理的P2P平台风险防控机制就变得至关重要。本文旨在通过对P2P平台运营模式的分析,探究P2P平台不同运营模式的特点及其风险特征。运用logistic信用模型计算P2P平台的违约概率,再结合具体案例进行分析,从宏观监控和平台内控两个方面对如何控制P2P平台的风险提出相关的建议和意见。研究结果发现,平均利率、60天待偿还金额占比对P2P平台的违约概率影响显著,债权是否可转让、是否提取准备金、是否有第三方担保平台对P2P平台的违约概率并没有显著影响。随着平均月利率的提高,P2P平台面临的风险越大;并且,60天待偿还金额占比越高,P2P平台的风险越大。针对这些风险,P2P平台要提高企业竞争力,提高服务质量,防范风险。这要求P2P平台不仅从自身进行约束,积极与银行开展存管合作,与第三方担保机构合作,规范自身经营;同时也要接受外部监督,加入行业自律组织,实现行业内的互相监督。
[Abstract]:In recent years, Peer-to-Peer platforms have developed rapidly in China, hundreds of P2P platforms are established every year, but there are also a large number of platforms running away, closing down and so on. Even appeared the fraud cases of investors, the blank of the law, the lack of supervision make the development of P2P platform meet the bottleneck of the future development of P2P platform facing a lot of risks. For investors. P2P platforms, and even the entire financial system, to effectively assess the risks. It is very important to establish a reasonable risk prevention and control mechanism of P2P platform. This paper aims to analyze the operation mode of P2P platform. Explore the characteristics and risk characteristics of different operating modes of P2P platform. Use logistic credit model to calculate the probability of P2P platform default, and then analyze the specific cases. From the macro monitoring and platform internal control two aspects of how to control the risk of P2P platform put forward relevant suggestions and opinions. The results of the study found that the average interest rate. The ratio of 60 days to payback has a significant impact on the probability of default of P2P platform, whether the debt is transferable or not, and whether to withdraw the reserve. Whether there is a third-party guarantee platform has no significant impact on the probability of the P2P platform default. With the increase of the average monthly interest rate, the higher the risk faced by P2P platform; Moreover, the higher the proportion of payback to be paid for 60 days, the greater the risk of P2P platform. In view of these risks, P2P platform should improve the competitiveness of enterprises and improve the quality of service. This requires the P2P platform not only to restrict itself, but also to cooperate with the bank and the third party guarantee organization to regulate its operation. At the same time to accept external supervision, join the industry self-discipline organizations, to achieve mutual supervision within the industry.
【学位授予单位】：华东理工大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.4

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