P2P网络平台的风险监控

发布时间：2018-03-09 01:12

本文选题：互联网金融　切入点：P2P网络借贷平台　出处：《浙江大学》2017年硕士论文　论文类型：学位论文

【摘要】：借助民间借贷和互联网金融的持续升温的态势,P2P网络借贷迅速发展,为个人及中小企业的融资提供了便利,成为公众心中借贷及理财的首选。P2P网贷行业发展迅速,同样实现高速衍生扩散的就是行业本身引发的多重风险,诸如信用风险、法律风险等。行业高风险的特性还体现在运营平台出现非法吸收公众存款、平台私自设立资金池以及庞氏骗局现象等方面。问题网贷企业的出现,引发了关于如何确保行业健康发展的讨论,怎样有效监控P2P网贷行业风险也被提上了议程。本文以P2P小额借贷为研究对象,对网络借贷发展历程、风险监控等国内外相关研究成果进行归纳总结,结合目前行业现状,按照运营模式差异对P2P网络借贷平台进行分类,并对比分析了行业中不同运营理念的P2P网络借贷平台的运作模式、利率、收费方式、风控机制等具体内容。根据网络借贷行业现存问题进行分析,从法律风险、信用风险、操作风险、市场风险和流动性风险等五个方面入手探究问题产生的原因,以红岭创投为例进行实例分析,研判行业风险生成原因。解读国家最新政策结合监控要求以及网络借贷行业风险特征,针对性地提出促成行业健康发展的监控模式,再参照发达国家的先进监控体系及经验,提出科学系统的监控建议,完善风险监控方法。结合系统的理论知识和详实的数据积累,通过分析国内现行的监管趋势和监管要求,同时借鉴国外P2P行业监管的成功经验,本文针对现有的金融监管体系和现状,研判在实行新的监管办法后我国P2P网络借贷风险监控体系的不足之处并提出完善的网贷监控建议。针对风险来源,本文提出对于平台外部风险需加强政府监管力度,对于平台内部出现的风险就需要建设平台自身的风险控制体系。政府监管需要从明确监管部门、监控模式、制定相关法律法规、实现平台与征信系统对接等几个方面入手;平台防控体系建设需考虑加强平台评级制度、提高网络环境安全性、准备风险保证金、提高对用户的审核等方面。结合内因外因,从多个方面入手,希望促进P2P行业可持续健康发展。
[Abstract]:With the help of the rising trend of private lending and Internet finance, the rapid development of P2P network lending has facilitated the financing of individuals and small and medium-sized enterprises, and has become the first choice for lending and financing in the public mind. The P2P network loan industry has developed rapidly. It is also the multiple risks caused by the industry itself, such as credit risk, legal risk, etc. The high risk characteristics of the industry are also reflected in the illegal absorption of public deposits on the operating platform. The emergence of Internet loan companies has led to a discussion on how to ensure the healthy development of the industry. How to effectively monitor the risk of P2P network lending industry has also been put on the agenda. This paper takes P2P small loans as the research object, summarizes the development of network lending, risk monitoring and other related research results at home and abroad, combined with the current situation of the industry. According to the difference of operation mode, the paper classifies the P2P network lending platform, and compares and analyzes the operation mode, interest rate and charging method of the P2P network loan platform with different operating concepts in the industry. Based on the analysis of the existing problems in the network lending industry, the causes of the problems are explored from five aspects: legal risk, credit risk, operational risk, market risk and liquidity risk. Taking Hongling Venture Capital as an example to analyze and judge the causes of industrial risks, to interpret the latest national policies and the characteristics of risks in the network lending industry, and to put forward the monitoring mode to promote the healthy development of the industry. Then referring to the advanced monitoring system and experience of the developed countries, the paper puts forward some suggestions for scientific system monitoring, consummates the risk monitoring method, combines the theoretical knowledge of the system and the accumulation of detailed data, analyzes the current domestic supervision trends and regulatory requirements, At the same time, referring to the successful experience of foreign P2P industry supervision, this paper aims at the existing financial supervision system and current situation. After the implementation of the new supervision measures, the deficiencies of the P2P network loan risk monitoring system in China are analyzed and some suggestions are put forward to improve the network loan monitoring system. According to the risk sources, this paper puts forward the need to strengthen the government supervision for the external risks of the platform. For the risks that appear inside the platform, we need to build the risk control system of the platform itself. The government supervision needs to clear the supervision department, monitor the mode, formulate the relevant laws and regulations, and realize the docking between the platform and the credit information system. The construction of platform prevention and control system should consider strengthening the platform rating system, improving the security of the network environment, preparing the risk margin, improving the audit of the user, and so on. Hope to promote the sustainable and healthy development of P2P industry.
【学位授予单位】：浙江大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.4;TP393.09

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