宜信公司P2P网络信贷发展问题研究

发布时间：2018-01-15 06:13

本文关键词：宜信公司P2P网络信贷发展问题研究　出处：《新疆财经大学》2014年硕士论文　论文类型：学位论文

【摘要】：P2P网络信贷是一种互联网金融创新模式。随着近几年的飞速发展，它已成为民间借贷的重要方式，通过P2P网络信贷这个平台，国内的小微企业可以以较低的融资成本获得资金，而拥有大量资金的投资人也可以获得较高回报，从而使自己的财富保值增值。这有效的缓解了我国民间资本投资难，小微企业融资难的“两难”问题，在一定程度上弥补了银行信贷的盲点。近年来我国改革开放的不断深入，，人民银行实行紧缩性的货币政策，再加上投资者的不断热捧，我国的P2P网络信贷行业取得了很大的发展。但是P2P网络信贷行业取得较大成绩的同时，也出现了一系列的问题。其本身缺乏行业自律，银监会对其监管也还处于起步阶段，缺乏完善的法律法规。这些都阻碍了P2P网络信贷行业进一步的发展。鉴于P2P网络信贷在投融资方面的重要性以及现在P2P网络信贷行业面临的危机局面，研究我国P2P网络信贷的现状，找出阻碍其发展的障碍，保障其规范发展就成了当务之急。本文首先从几个方面对P2P网络信贷进行了详细的阐述，这几个方面包括P2P网络信贷的含义、规模、特点等，这些都有助于了解我国P2P网络信贷的现状。其次介绍了国内典型的P2P网络信贷公司—宜信。从发展历程、发展规模、信贷规模等方面对宜信公司进行分析并得出其现在所存在的问题，然后再对比国外成熟P2P网络信贷平台的营运模式，对这些模式所具有的优势进行全面的分析，指出宜信公司可以借鉴的方面。最后，对宜信公司进一步发展提出建议。首先，制定和使用统一的信用评价标准，实现信息的共享。宜信公司应该和其他P2P网络信贷公司开展合作，对信用评价标准进行广泛的研讨，制定P2P网络信贷行业统一的信用评价标准。各个P2P网络信贷平台运用这一标准对客户进行评级，建立自己的客户信用评价体系并且分享这些客户的信用信息；其次还应加强风险控制、自身透明度和人才队伍的建设。本文通过对宜信这一国内P2P网络信贷平台全面而详尽的分析，在积极探索其未来发展趋势的同时，也为研究该行业的进一步规范和发展奠定了基础。
[Abstract]:P2P network credit is an innovative mode of Internet finance. With the rapid development of recent years, it has become an important way of private lending, through P2P network credit platform. Domestic small and micro enterprises can obtain funds with lower financing costs, and investors with a large amount of funds can also get higher returns. This effectively alleviates the difficulties of private capital investment and financing of small and micro enterprises, and to a certain extent makes up the blind spot of bank credit. In recent years, with the deepening of China's reform and opening up, the people's Bank of China has implemented a tight monetary policy, coupled with the constant popularity of investors. China's P2P network credit industry has made great progress, but the P2P network credit industry has made great achievements, at the same time, there are a series of problems. The CBRC is still in its infancy and lacks perfect laws and regulations, which hinder the further development of P2P network credit industry. In view of the importance of P2P network credit in investment and financing and the crisis of P2P network credit industry, this paper studies the status quo of P2P network credit in China and finds out the obstacles to its development. It is imperative to ensure its normative development. Firstly, this paper elaborates the P2P network credit from several aspects, including the meaning, scale and characteristics of P2P network credit. These are helpful to understand the status of P2P network credit in China. Secondly, it introduces the typical domestic P2P network credit companies-Yi Xin. From the development process, development scale. Credit scale and other aspects of the analysis of the company and draw its existing problems, and then compare the overseas mature P2P network credit platform operating mode. These models have a comprehensive analysis of the advantages, pointing out that the company can learn from the aspects. Finally, the further development of the company recommendations. First, to formulate and use a unified credit evaluation standards. To achieve the sharing of information. The company should cooperate with other P2P network credit companies to conduct extensive research on credit evaluation standards. Establish a unified credit evaluation standard for P2P network credit industry. Each P2P network credit platform uses this standard to rate customers. Establish their own customer credit evaluation system and share the credit information of these customers; Secondly, we should strengthen risk control, self-transparency and the construction of talent team. Through the comprehensive and detailed analysis of Yixin, a domestic P2P network credit platform, this paper actively explores its future development trend and lays a foundation for the further standardization and development of this industry.
【学位授予单位】：新疆财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F724.6;F832.4

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