基于企业运营视角的P2P网络借贷风险研究

发布时间：2018-01-14 09:09

本文关键词：基于企业运营视角的P2P网络借贷风险研究　出处：《北京交通大学》2017年硕士论文　论文类型：学位论文

更多相关文章： P2P网络借贷 运营模式 风险控制 监管

【摘要】：P2P(Peer-to-Peer)网络借贷起源于诺贝尔和平奖获得者尤努斯创办的孟加拉乡村银行,其理念是将小额的闲散资金汇聚起来借贷给有资金需求的人群或小微企业,后来逐渐发展成为一种通过互联网实现资金借贷交易的商业模式。我国最早出现P2P网络借贷企业是在2007年,经过几年的发展如今已经遍布全国,并且呈现百家争鸣的态势。然而,我国至今还没有明确其监管机构,并且社会征信体系不健全,企业运营管理的风险加之外界环境的不成熟,使得借款人的违约得不到有效控制,P2P网络借贷行业的风险与日俱增。本论文从企业运营的视角出发,分别以拍拍贷、宜信、翼龙贷、人人贷和陆金所为研究对象,归纳总结出国内P2P网络借贷的四类运营模式,然后对比分析各运营模式蕴含的潜在风险,通过借鉴国外成熟经验最终提出风险控制的优化解决方案,论证过程中还着重分析了行业具有代表意义的宜信在风险控制方面的举措。全文主要分为三大部分:首先,概述P2P网络借贷的定义和理论基础,介绍P2P网络借贷的发展历程和发展规模;然后,结合典型的企业案例去阐述国内P2P网络借贷创新的运营模式,包括债权转让模式、线上线下结合模式和担保模式,概括出其蕴含的五类潜在风险:借款信用性风险、资金流动性风险、运营操作性风险、市场性风险和技术性风险,并进行对比分析;最后,分析宜信在风险控制方面的举措,借鉴国外成熟的风险控制经验,按照我国客观国情提出了三项针对企业管理的优化改进建议,文末还对整体行业监管提出了建议。本论文经过研究认为:国内的P2P网络借贷企业克服社会信用体系不健全的不利条件,创新出包括债权转让、线上线下相结合和引入担保三类运营模式能够降低部分借款违约风险,但是不能从根本上解决风险问题,并会因此产生资金流动性的高风险,而且运营操作性风险、市场性风险和技术性风险均不能通过简单的变更运营模式而发生改变,必须全面的重视风险控制建设才能长期发展,作者借鉴国外成熟风险控制经验,提出三点改进建议:构建总部集中式的数据化风险控制部门、采用小额分散的风险控制原则,并用数据分析的方式建立风险控制模型。
[Abstract]:P2P (Peer-to-Peer) network lending origin winner Yunus founded the Grameen Bank in Bangladesh in the Nobel peace prize, the idea is to have small idle funds together to lend to have financial needs of the people or Small and micro businesses, then gradually developed into a trading fund loan through the Internet business model. The earliest emergence of P2P network lending business is in 2007, after several years of development has now spread all over the country, and the present situation of contention of a hundred schools of thought. However, China has not yet clear its regulatory agencies, and the social credit system is not perfect, the risk of enterprise operation management and the external environment is not mature, the borrower's default is not effectively controlled, the risk of P2P networks lending industry grow with each passing day. In this thesis, from the perspective of enterprise operation, respectively to pat the loan, should the letter, pterosaurs, peer-to-peer lending and Lu Jin As the research object, summarizes four kinds of operation mode of domestic P2P lending network, and then the comparative analysis of the operation mode contains the potential risk, by using foreign experience finally put forward the optimization of risk control solutions, the demonstration process is analyzed with industry representative of the letter should be in terms of risk control measures. This article is divided into three parts: first, an overview of the P2P network lending the definition and theoretical basis, introduces the development process and development scale of P2P network lending; then, combined with the typical enterprise case to elaborate the domestic P2P network lending business model innovation, including the transfer of creditor's rights and guarantee mode, mode of combination of online and offline mode, summed up it contains five kinds of potential risks: credit risk, liquidity risk, operational risk, market risk and technical risk, and carries on the contrast Analysis; finally, analysis of the letter should be in terms of risk control measures, the mature risk control experience, according to the objective conditions of China put forward three suggestions for the optimization of enterprise management, is also the end of the whole industry regulation was put forward. This paper through the research that: P2P networks borrowing domestic enterprises overcome the adverse conditions of the social credit system is not perfect, innovation including the transfer of creditor's rights, combining online and offline and the introduction of guarantee three kinds of operation mode can reduce part of the loan default risk, but the risk can not solve the problem fundamentally, the high risk and will therefore generate liquidity, and operational risk, market risk and technical risk can not be changed by a simple change of operation mode, risk control must pay more attention to comprehensive construction to long-term development, the author draws foreign mature risk control Experience, put forward three suggestions for improvement: build a centralized centralized data risk control department, adopt a small decentralized risk control principle, and establish a risk control model by data analysis.

【学位授予单位】：北京交通大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.4

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