通辽市民间借贷服务中心p2p平台投融资风险及防范研究

发布时间：2018-03-21 12:36

本文选题：P2P　切入点：投融资　出处：《沈阳理工大学》2017年硕士论文　论文类型：学位论文

【摘要】：近几年,中国的互联网飞速发展,伴随着这种新型的信息方式,商业模式也随之发生巨大改变,如著名的淘宝网,是最前沿的也是最典型的P2P商业模式,这种传统的实体经济竟然也可以线上交易,这种变化在中国算是一场互联网革命,这场革命不仅给人们带来了惊喜,也改革了商业交易模式。除了传统业务的巨大变革之外,P2P模式在金融方面的影响也是非常巨大的,中国P2P网络借贷的产生就是受益于这场互联网革命。P2P网络借贷作为一种新的投融资方式,代表了现代金融互联网化发展的的最新趋势,也是社会经济发展到一定程度后的必然要求。由于P2P网贷发展历史不长,尚未形成完整且全面的P2P网络借贷风险管理体系,而有效的风险管理体系是维护P2P网贷生存和发展的重要基础,也是经济社会稳定和发展的一项重要工作。因此研究P2P网贷的风险管理具有一定新颖性和重要的经济社会意义。本文是以风险管理理论为指导,以通辽市民间借贷服务中心P2P平台的风险管理体系为研究对象,采用档案分析法、辅以访谈法和现场观察法,主要P2P网贷平台的风险管理和防范进行全面细致的分析研究,研究发现,通辽市民间借贷服务中心风险管理存在的问题有:业务操作不规范,风险管理专业化不足、人员队伍建设不足、缺少激励机制、借贷失衡、间接市场风险、信用管理制度不健全、信用评级不完善、逾期率和坏账率高。本文分析这些问题形成的原因,提出了一套适合通辽市民间借贷服务中心的解决方案。
[Abstract]:In recent years, with the rapid development of the Internet in China, along with this new type of information, the business model has undergone tremendous changes, such as the famous Taobao, which is the most advanced and typical P2P business model. This kind of traditional real economy can also be traded online. This kind of change is regarded as an Internet revolution in China. This revolution has not only brought people a pleasant surprise. The business transaction model has also been reformed. In addition to the tremendous changes in traditional business, the financial impact of the P2P model is also very great. The emergence of P2P network lending in China is benefiting from the Internet revolution. P2P network lending, as a new investment and financing method, represents the latest trend of the development of modern financial Internet. Due to the short history of P2P network loan development, a complete and comprehensive P2P network lending risk management system has not yet been formed. An effective risk management system is an important foundation to maintain the survival and development of P2P network loans. It is also an important work of economic and social stability and development. Therefore, the research on risk management of P2P network loan has a certain novelty and important economic and social significance. Taking the risk management system of P2P platform of Tongliao folk loan service center as the research object, adopting file analysis method, supplemented by interview method and field observation method, the risk management and prevention of main P2P network loan platform are analyzed and studied comprehensively and meticulously. It is found that the problems of risk management in Tongliao folk lending service center are: irregular operation, insufficient specialization of risk management, insufficient construction of personnel, lack of incentive mechanism, imbalance of loan and indirect market risk. The credit management system is not perfect, the credit rating is not perfect, the overdue rate and the bad debt rate are high. This paper analyzes the causes of these problems, and puts forward a set of solutions suitable for the folk loan service center in Tongliao City.
【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】：F832.4;F724.6

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