P2P网贷风险分析及防范对策

发布时间：2018-05-02 18:41

本文选题：P2P网贷 + 网贷风险　；参考：《暨南大学》2015年硕士论文

【摘要】：伴随着互联网时代的到来和当代科技工具的成熟运用,如今正逐渐衍生出以互联网平台为依托、与传统民间借贷体系截然不同的新型个人金融借贷模式,也就是“P2P”网络信贷(Online Peer-to-Peer Lending)。中文称之为“人人贷”,是个人对个人之间的贷款,由P2P网贷平台为交易双方提供相关的借贷服务,让借款人和贷款人借助互联网平台来达到借款和贷款目的的业务。这种模式不但可以为中小企业及个人的借款提供一个新型平台,为社会闲散资金持有者提供多样的理财选择,满足投融资需求,而且还能提高整个社会闲散资金的利用效率,推动资金流动,完善健全个人信用体系。然而,作为民间借贷的一种形式,P2P网贷也存在民间借贷中广泛存在的风险,加之所依托的互联网平台不确定性因素很多,使得风险被进一步放大化。尽管P2P借贷平台纷纷引入财付通、支付宝等第三方支付平台对资金进行监管,以此来消除资金被挪用、侵占和隐匿的风险,但是由于贷款缺乏有效的担保方式,一旦借款人发生违约行为,或者P2P网贷平台的运营出现问题,那么投入资金的收回就无法得到保证。目前很多表面上运营状况正常的P2P网贷平台随时有可能突然停止运营甚至跑路。对P2P网贷平台而言,当下亟待解决的问题就是分析我国P2P网贷平台存在的风险,在此基础上进一步分析哪些因素和平台风险有关系,从而有效地识别和预测P2P网贷平台的风险并采取针对性的措施防范风险。与商业银行等传统金融机构相对成熟的风险度量、防范体系相比,作为刚刚兴起的新型金融借贷模式,国内学者对P2P网贷风险的研究大多属于定性分析和规则性的讨论,集中于分析其好坏、是非及发展特点、趋势等方面,少量的定量分析则集中在借款者的逾期率等方面,缺乏对整体的风险分类、引致原因分析和评级上的思考。因此,本文试图从不同的视角出发,采用定量的方式分析影响我国P2P网贷平台风险的因素,并在剖析各种风险的基础上针对如何有效防范P2P网贷平台风险提出建议。
[Abstract]:With the advent of the Internet era and the mature use of modern scientific and technological tools, a new personal financial lending model, which is based on the Internet platform and completely different from the traditional private lending system, is gradually emerging. That is, P2P online Peer-to-Peer lending. It is called "peer-to-peer lending". It is a kind of personal loan, which is provided by P2P network loan platform to provide loan service for both sides of the transaction, so that borrowers and lenders can use Internet platform to obtain loans and loans. This model can not only provide a new platform for small and medium-sized enterprises and individuals to borrow money, provide social idle fund holders with a variety of financial options to meet the needs of investment and financing, but also improve the efficiency of the utilization of idle funds in the whole society. Promote the flow of funds, improve and improve the personal credit system. However, as a form of private lending, P2P network lending also has the risk of widespread private lending, coupled with a lot of uncertainties on the Internet platform, which further magnify the risk. Although peer-to-peer lending platforms have introduced Tenpay, Alipay and other third-party payment platforms to supervise funds to eliminate the risk of misappropriation, embezzlement and concealment, but the loan lacks an effective guarantee method. Once the borrower defaults, or P2P network loan platform operation problems, then the return of investment can not be guaranteed. At present, many peer-to-peer loan platforms with normal operation condition may suddenly stop running or even run away at any time. For P2P network loan platform, the problem that needs to be solved is to analyze the risk of P2P network loan platform in our country, and on this basis, to further analyze which factors are related to the platform risk. Therefore, the risk of P2P network loan platform can be effectively identified and forecasted, and targeted measures are taken to prevent the risk. Compared with the relatively mature risk measurement and prevention system of traditional financial institutions such as commercial banks, as a newly emerging new financial lending model, most of the researches on P2P network loan risk by domestic scholars belong to qualitative analysis and regular discussion. Focusing on the analysis of its good and bad, right and wrong, development characteristics, trends and other aspects, a small amount of quantitative analysis is focused on the overdue rate of borrowers, lack of overall risk classification, leading to reason analysis and rating thinking. Therefore, this paper attempts to analyze the factors that affect the risk of P2P network lending platform in China from different angles of view, and puts forward some suggestions on how to effectively prevent the risk of P2P network loan platform based on the analysis of various risks.
【学位授予单位】：暨南大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F724.6;F832.4

【参考文献】