P2P网络借贷平台的内部风险评估研究

发布时间：2018-06-29 19:00

本文选题：P2P网络借贷平台 + 风险评估　；参考：《天津科技大学》2017年硕士论文

【摘要】：P2P网络借贷即"Peer to Peer Lending",我国银监会将其称为“人人贷”,它不依赖于传统的金融机构,而是通过互联网平台实现借贷双方的直接交易,它的经营理念起源于尤努斯教授在孟加拉国创办的“乡村银行”。2016年是P2P网络借贷在国内的发展的第九个年头,经历行业的快速生长,到目前整个网贷行业的贷款规模已经实现由零到万亿的飞跃。P2P借贷在我国监管力度不足,加之社会信用体系不健全,缺乏对借款方信用风险防范和借贷平台内部控制的风险控制体系。但自2015年底,政府部门先后出台了《网络借贷信息中介机构业务活动管理暂行办法(征求意见稿)》、《北京市互联网金融风险专项整治工作实施方案》、《网络借贷资金存管业务指引》等一系列监管政策文件,旨在通过严格准入管理、强化资金监测、整治不正当竞争等对P2P行业的多个方面进行综合整治。想要继续在P2P网络借贷行业中增加或保持市场份额,与其他同行业的网贷平台争夺优质资产和客户,保持平台利润稳健增长,除了业务转型和升级的举措外,加强平台的风控体系建设应当是当前P2P平台管理的重中之中。本文从我国P2P网络借贷发展现状和我国P2P网络借贷的运营模式入手,首先对国内外P2P网络借贷风险评估方法进行了对比,其次分析了我国P2P网络借贷平台的风险评估方法目前还存在的一些问题,然后,通过比较分析法、理论和实证分析相结合、定性和定量分析相结合的方法,重点通过因子分析法,对我国P2P网络借贷平台的风险评估方法进行了改良和优化,构建了一个网络借贷平台的风险评估体系。最后,对我国P2P网络借贷平台的风险控制提出了对策建议。
[Abstract]:P2P network lending is called "Peer to Peer Lending", which is referred to by China Banking Regulatory Commission as "everyone's loan". It does not rely on traditional financial institutions, but realizes the direct transaction between the two parties through the Internet platform. Its business philosophy stems from the "Grameen Bank" founded by Professor Yunus in Bangladesh. 2016 is the ninth year of P2P online lending in China, experiencing rapid growth in the industry. Up to now, the loan scale of the entire network lending industry has achieved a leap from zero to trillion yuan. P2P lending has not been adequately regulated in our country, and the social credit system is not perfect. It lacks the risk control system to prevent the credit risk of the borrower and the internal control of the lending platform. But since the end of 2015, Government departments have successively promulgated the interim measures for the Management of Business activities of Network Lending Information intermediary institutions (draft for soliciting opinions), the implementation Plan for the Special rectification of Internet Financial risks in Beijing, and the Guide to the Business Management of Network Lending funds A series of regulatory policy documents, The purpose of this paper is to comprehensively regulate many aspects of P2P industry, such as strict admission management, strengthening of fund monitoring and regulation of unfair competition. To continue to increase or maintain market share in the P2P network lending industry, compete with other online lending platforms of the same industry for quality assets and customers, and maintain steady growth in the platform's profits, in addition to the business transformation and upgrading initiatives, Strengthening the construction of the platform's wind control system should be the most important part of the current P2P platform management. This paper begins with the development of P2P network lending in China and the operation mode of P2P network lending in China. Firstly, it compares the domestic and foreign P2P network lending risk assessment methods. Secondly, it analyzes some problems existing in the risk assessment methods of P2P network lending platform in China, and then, through comparative analysis, theoretical and empirical analysis, qualitative and quantitative analysis of the combination of methods. The risk assessment method of P2P network lending platform in China is improved and optimized by factor analysis method, and a risk assessment system of network loan platform is constructed. Finally, the paper puts forward some countermeasures and suggestions on the risk control of P2P network lending platform in China.
【学位授予单位】：天津科技大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.4

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