P2P网贷业务信用风险控制与相关监管建议

发布时间：2018-06-25 05:23

本文选题：P2P网贷 + 信用风险管理　；参考：《对外经济贸易大学》2014年硕士论文

【摘要】：P2P网贷是一种新型互联网借贷模式，利用网络平台为拥有闲置资金的贷款人和具有资金需求的借款人牵线搭桥。P2P网贷的存在是对传统金融体系的有效补充，具有金融普惠性。近年来，国内的P2P网贷平台发展非常迅猛。截止8月底，全国正在运营的平台达1357家，不少网贷平台的年交易额达到数十亿元。在快速发展的同时，行业也暴露了不少问题：在缺乏有效监管的环境下出现部分平台“跑路”现象，同时由于风险控制技术不成熟，不少平台坏账情况严重甚至因管理不善而被迫关闭，给投资人带来不少损失。由此可见建立全面、有效、完备的风险管理体系及监管机制对网贷平台发展至关重要。本文采用实证分析和规范分析相结合、定性分析和定量分析相结合等方法，针对国内P2P网贷平台的模式特征和风险类别研究了网贷平台的风险管理体系，得到一些有意义的结论，并在此基础上对P2P网贷的监管提出相关建议。本文研究的主要内容和结论如下： 1.分析了国内主流P2P网贷平台的业务模式，根据它们的特征，分析并总结了这些网贷平台面临的风险类别以及成因机制。在平台面临的诸多风险中，信用风险为主要风险之一。 2.根据国内P2P网贷平台的实践经验，建立了网贷平台信用风险管理的基本框架，按照贷前信用风险审核、贷中风险监控和贷后风险管理等三阶段研究了平台的信用风险管理体系。其中贷前风险控制主要表现为设立基本准入条件，通过外部信息、数据分析对申请人信息真实性及资质进行核查，，贷中及贷后管理则是通过对资产质量的监控和预警及时发现并控制风险。 3.在总结国外P2P网贷平台监管经验的基础上结合我国P2P网贷现状，阐述监管的对行业信用风险控制的意义，从行业自律自查、建立法规与制度、完善征信体质及市场净化四个角度提出了监管建议。
[Abstract]:P2P network loan is a new type of Internet loan mode. The existence of P2P network loan is an effective supplement to the traditional financial system and has the financial universality by using the network platform to connect the lenders with idle funds and borrowers with capital demand. In recent years, the domestic P2P network loan platform is developing very rapidly. By the end of August, the number of platforms in operation nationwide reached 1357, and the annual turnover of many online lending platforms reached billions of yuan. At the same time of rapid development, the industry has also exposed a lot of problems: in the absence of effective regulatory environment, some platforms "run" phenomenon, at the same time because the risk control technology is not mature, Many platform bad debts are serious and even forced to close due to poor management, bringing a lot of losses to investors. It can be seen that the establishment of a comprehensive, effective and complete risk management system and regulatory mechanism is essential to the development of the network loan platform. This paper studies the risk management system of domestic P2P network loan platform by combining empirical analysis with normative analysis, qualitative analysis and quantitative analysis. Some meaningful conclusions are obtained, and on the basis of this, some suggestions on the supervision of P2P network loan are put forward. The main contents and conclusions of this paper are as follows: 1. This paper analyzes the business models of the main P2P network loan platforms in China, and according to their characteristics, analyzes and summarizes the risk categories and the formation mechanism of these platforms. Among the many risks faced by the platform, credit risk is one of the main risks. Based on the practical experience of domestic P2P network loan platform, the basic framework of credit risk management of network loan platform is established. The credit risk management system of the platform is studied according to the three stages of credit risk audit before loan, risk monitoring in loan and risk management after loan. Among them, pre-credit risk control is mainly manifested in the establishment of basic access conditions, the verification of the authenticity and qualification of applicant information through external information and data analysis, Loan and loan management is through the quality of assets monitoring and early warning timely detection and control of risk. 3. On the basis of summing up the supervision experience of foreign P2P network loan platform, combining with the present situation of P2P network loan in our country, this paper expounds the significance of supervision on the control of industry credit risk, and sets up laws and regulations and rules and regulations from the self-examination of industry self-discipline. Perfect credit investigation constitution and market purify four angles to put forward the supervision suggestion.
【学位授予单位】：对外经济贸易大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F724.6;F832.4

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