A公司P2P借贷平台内部风险管理与控制研究

发布时间：2018-04-08 09:33

本文选题：P2P借贷平台　切入点：内部　出处：《昆明理工大学》2017年硕士论文

【摘要】：P2P借贷是资金供需双方以互联网为信息渠道实现资金融通的金融服务中介,是出资人通过第三方平台将资金贷给有借款需求一方的网络借贷模式。P2P借贷点对点、便利、快捷的特点有效缓解了我国中小企业融资难的窘境,促进了社会资金分配更加平等、合理,是我国传统金融体系的有益补充。当然,目前P2P借贷的快速发展是市场需求的必然趋势,但法律的缺失、政府监管的缺失使P2P借贷平台肆意泛滥、倒闭潮不止,风险隐患使平台未来的发展危机四伏。因此,对于投资者、P2P借贷平台、乃至于整个金融体系,对风险进行有效评估及控制、建立合理的P2P借贷平台风险防控机制就变得至关重要。首先,本文介绍P2P借贷平台内部风险管理的国内外相关理论,阐述内部风险管理的相关理论基础,对内部风险识别方法、内部风险评估技术及内部风险控制手段进行详细的介绍;然后对A公司相关背景、概况以及该公司的内部风险管理控制现状进行客观性的描述,并根据内部风险管理理论对该公司的内部风险管理控制活动进行深入的分析;接着根据内部风险识别的相关理论知识,利用专家调查法与层次分析法对A公司进行内部风险识别,得出影响A公司的内部风险因素。接着通过数据和置信度的选择,构建A公司内部风险评估的指标体系,通过模糊综合评价法对A公司内部风险进行度量,并从中得到A公司的内部风险处于可控的水平。最后根据内部风险度量的结果提出了针对内部风险的具体应对措施,以降低A公司的内部风险,保证以A公司为代表的P2P借贷企业的健康发展。本文的创新点是通过内部风险管理理论和实例分析,在全面研究A公司的基础上,深入剖析了影响A公司发展的主要内部风险因素,并提出了内部风险应对措施,对以A公司为代表的P2P借贷平台企业的健康成长具有比较重要的现实意义。
[Abstract]:The quick characteristic has effectively alleviated our country small and medium-sized enterprise financing difficult predicament, promoted the social fund distribution to be more equal, reasonable, is our country traditional financial system beneficial supplement.Of course, the rapid development of P2P lending is the inevitable trend of market demand, but the lack of law and government supervision make P2P lending platform rampant, the tide of closure, the potential risks of the platform in the future development crisis.Therefore, it is very important for investors to evaluate and control the risk effectively and establish a reasonable mechanism of risk prevention and control for P2P lending platform and even the whole financial system.First of all, this paper introduces the internal risk management theory of P2P lending platform at home and abroad, expounds the relevant theoretical basis of internal risk management, and identifies the internal risk.The internal risk assessment technology and internal risk control methods are introduced in detail. Then the background, general situation and internal risk management control status of A company are described objectively.According to the theory of internal risk management, the internal risk management and control activities of the company are deeply analyzed, and then according to the relevant theoretical knowledge of internal risk identification,Using the method of expert investigation and analytic hierarchy process to identify the internal risk of company A, the internal risk factors affecting company A are obtained.Then, through the choice of data and confidence, the index system of internal risk assessment of company A is constructed, and the internal risk of company A is measured by fuzzy comprehensive evaluation method, and the internal risk of company A is controlled.Finally, according to the results of internal risk measurement, the paper puts forward specific countermeasures to reduce the internal risk of company A and ensure the healthy development of P2P lending enterprises represented by A company.The innovation of this paper is to analyze the main internal risk factors that affect the development of company A on the basis of a comprehensive study of the internal risk management theory and case analysis, and put forward the internal risk countermeasures.It has important practical significance for the healthy growth of P2P lending platform enterprises represented by A Company.
【学位授予单位】：昆明理工大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.4

【参考文献】