P2P网络借贷行业风险评估与监管模式研究

发布时间：2018-07-29 09:51

【摘要】：本文从P2P网络借贷行业在国内外的发展现状入手,着重分析了该行业存在的主要风险,初步构建了P2P网络借贷平台风险评估模型,同时梳理了国内外对P2P网络借贷行业的监管模式,最后对我国P2P网络借贷行业的有序发展提出了政策建议。随着互联网+、金融互联网、互联网金融的不断兴起,人们开始享受金融变革带来的便利。P2P网络借贷作为民间借贷互联网化的新兴产物,有效满足了中小企业和个人的融资需求,并为大众提供了新的投资理财渠道。但在快速发展的背后,P2P网络借贷平台也在不停洗牌,频频出现公司倒闭、负责人跑路现象。P2P网络借贷行业也暴露出与以往传统银行业不同的风险类型,有些P2P网络借贷平台还涉嫌非法集资、非法吸收公众存款,存在潜在的社会安全隐患,引发诸多专家学者的担忧。由于监管政策尚不完善,P2P网络借贷行业发展极为混乱。因此,有效评估P2P网络借贷平台风险,研究建立与之相适应的监管模式成为当前需要研究的重点课题。本文通过比较研究P2P网络借贷行业风险、国内外监管模式,形成对P2P网络借贷平台的风险评估,并提出与之相适应的监管政策建议。通过发放调查问卷,摸清P2P网络借贷行业的风险看法,形成专家意见,并利用公开的统计数据,初步建立P2P网络借贷平台的风险评估模型。本文的结构安排如下：第一章为引言,简要介绍了本文的选题背景和国内外研究现状；第二章从P2P网络借贷行业发展现状入手,研究了我国P2P网络借贷行业存在的主要问题；第三章分析了P2P网络借贷行业的主要风险；第四章在总结国内外主要金融风险评估模型特点的基础上,构建了P2P网络借贷平台风险评估模型；第五章系统分析了国外P2P网络借贷行业风险防控及监管模式；第六章作出结论,提出P2P网络借贷行业相关政策建议。
[Abstract]:This paper starts with the development of P2P network lending industry at home and abroad, analyzes the main risks in this industry, and constructs the risk assessment model of P2P network lending platform. At the same time, it combs the domestic and foreign supervision mode of P2P network lending industry, and finally puts forward some policy recommendations for the orderly development of P2P network lending industry in China. With the rising of Internet, financial Internet and Internet finance, people begin to enjoy the convenience brought by financial reform. P2P network lending is a new product of the Internet of folk lending. Effectively meet the financing needs of SMEs and individuals, and provide a new investment and financial channels for the public. However, behind the rapid development, P2P network lending platforms are also constantly shuffling their cards, and companies frequently close down. The phenomenon of responsible person running the road. The P2P network lending industry also exposes a different type of risk than the traditional banking industry. Some P2P online lending platforms are also suspected of illegally raising funds and illegally taking deposits from the public. There are potential social security risks, which has aroused the concern of many experts and scholars. Since the regulatory policy is not perfect P2P network lending industry development is extremely chaotic. Therefore, to effectively evaluate the risk of P2P network lending platform, research and establish a suitable regulatory model has become the focus of current research. In this paper, the risk of P2P network lending industry, domestic and foreign regulatory models, the formation of P2P network lending platform risk assessment, and put forward corresponding regulatory policy recommendations. Through issuing questionnaires to find out the risk view of P2P network lending industry and form expert opinion, the risk assessment model of P2P network lending platform is established preliminarily by using the open statistical data. The structure of this paper is as follows: the first chapter is the introduction, briefly introduces the background of this topic and the domestic and foreign research status, the second chapter from the P2P network lending industry development status, the main problems of P2P network lending industry in China; The third chapter analyzes the main risks of P2P network lending industry, the fourth chapter summarizes the characteristics of the main financial risk assessment models at home and abroad, and constructs the P2P network lending platform risk assessment model. The fifth chapter systematically analyzes the risk prevention and control and supervision model of foreign P2P network lending industry, and the sixth chapter draws a conclusion, and puts forward the relevant policy recommendations of P2P network lending industry.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F724.6;F832.4

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