本文選題：P2P　切入點(diǎn)：金融風(fēng)險(xiǎn)　出處：《南京郵電大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：21世紀(jì),伴隨著信息技術(shù)與金融產(chǎn)業(yè)的融合創(chuàng)新,互聯(lián)網(wǎng)金融已成為當(dāng)今一大趨勢(shì)。以電子商務(wù)網(wǎng)絡(luò)平臺(tái)為依托,提供個(gè)人與個(gè)人間的小額借貸交易以實(shí)現(xiàn)信息交互和資金借貸,P2P網(wǎng)絡(luò)金融正不斷改變著傳統(tǒng)金融業(yè)的發(fā)展模式。2016年全國(guó)P2P網(wǎng)貸成交量達(dá)到了19544億元,較2015年增長(zhǎng)98.96%,顯示出P2P網(wǎng)絡(luò)金融發(fā)展之迅速。由于相關(guān)法律法規(guī)和監(jiān)管的缺失,P2P網(wǎng)絡(luò)金融的風(fēng)險(xiǎn)問(wèn)題日益突出,本文通過(guò)建立網(wǎng)貸平臺(tái)與監(jiān)管部門(mén)的演化博弈模型及仿真分析,為完善P2P監(jiān)管提供針對(duì)性的措施。首先,對(duì)國(guó)內(nèi)外P2P網(wǎng)絡(luò)金融監(jiān)管及演化博弈論進(jìn)行綜述,并為金融監(jiān)管提供理論依據(jù)。其次,通過(guò)對(duì)P2P網(wǎng)絡(luò)金融的現(xiàn)有運(yùn)作模式及其風(fēng)險(xiǎn)進(jìn)行闡述,在分析我國(guó)現(xiàn)有監(jiān)管模式后,指出現(xiàn)階段我國(guó)對(duì)于P2P網(wǎng)絡(luò)金融監(jiān)管內(nèi)容不足之處。最后通過(guò)建立演化博弈模型對(duì)P2P網(wǎng)絡(luò)金融和監(jiān)管部門(mén)進(jìn)行分析,并利用仿真軟件分析了監(jiān)管成本、社會(huì)評(píng)價(jià)、超額收益以及違規(guī)處罰罰金等對(duì)監(jiān)管部門(mén)監(jiān)管效果及平臺(tái)合規(guī)運(yùn)營(yíng)的影響,提出完善我國(guó)P2P網(wǎng)絡(luò)金融監(jiān)管的方法,包括監(jiān)管主體和監(jiān)管對(duì)象的界定、監(jiān)管模式、監(jiān)管內(nèi)容及其他保障性措施等。通過(guò)不斷完善現(xiàn)有監(jiān)管體系,達(dá)到監(jiān)管規(guī)制的效果,才能使得P2P網(wǎng)絡(luò)金融實(shí)現(xiàn)合法合規(guī)的有序健康發(fā)展。
[Abstract]:In the 21st century, with the integration and innovation of information technology and financial industry, Internet finance has become a major trend. Providing micro-credit transactions between individuals to achieve information exchange and capital lending P2P network finance is changing the development model of the traditional financial industry. In 2016, the transaction volume of P2P loans across the country reached 1.9544 trillion yuan. Compared with 2015, the increase of 98.96 points shows the rapid development of P2P network finance. Due to the lack of relevant laws, regulations and regulations, the risk of P2P network finance is becoming increasingly prominent. In order to improve P2P supervision, this paper summarizes P2P network financial supervision and evolution game theory at home and abroad, and provides theoretical basis for financial supervision. Through the analysis of the current operation mode and risk of P2P network finance, after analyzing the existing supervision mode of our country, This paper points out the deficiencies of P2P network financial supervision in China at present. Finally, it analyzes the P2P network finance and supervision department by establishing evolutionary game model, and analyzes the supervision cost and social evaluation by using simulation software. The influence of excess income and penalty on regulatory effect and platform compliance operation is proposed. The methods of perfecting P2P network financial supervision in our country are put forward, including the definition of the main body and object of supervision, the mode of supervision. By constantly perfecting the existing regulatory system and achieving the effect of regulatory regulation, P2P network finance can achieve the orderly and healthy development of legal compliance.
【學(xué)位授予單位】：南京郵電大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F724.6;F832.1;F224.32

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本文編號(hào)：1648410