發(fā)布時(shí)間：2018-03-09 01:12

  本文選題：互聯(lián)網(wǎng)金融　切入點(diǎn)：P2P網(wǎng)絡(luò)借貸平臺(tái)　出處：《浙江大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：借助民間借貸和互聯(lián)網(wǎng)金融的持續(xù)升溫的態(tài)勢,P2P網(wǎng)絡(luò)借貸迅速發(fā)展,為個(gè)人及中小企業(yè)的融資提供了便利,成為公眾心中借貸及理財(cái)?shù)氖走x。P2P網(wǎng)貸行業(yè)發(fā)展迅速,同樣實(shí)現(xiàn)高速衍生擴(kuò)散的就是行業(yè)本身引發(fā)的多重風(fēng)險(xiǎn),諸如信用風(fēng)險(xiǎn)、法律風(fēng)險(xiǎn)等。行業(yè)高風(fēng)險(xiǎn)的特性還體現(xiàn)在運(yùn)營平臺(tái)出現(xiàn)非法吸收公眾存款、平臺(tái)私自設(shè)立資金池以及龐氏騙局現(xiàn)象等方面。問題網(wǎng)貸企業(yè)的出現(xiàn),引發(fā)了關(guān)于如何確保行業(yè)健康發(fā)展的討論,怎樣有效監(jiān)控P2P網(wǎng)貸行業(yè)風(fēng)險(xiǎn)也被提上了議程。本文以P2P小額借貸為研究對(duì)象,對(duì)網(wǎng)絡(luò)借貸發(fā)展歷程、風(fēng)險(xiǎn)監(jiān)控等國內(nèi)外相關(guān)研究成果進(jìn)行歸納總結(jié),結(jié)合目前行業(yè)現(xiàn)狀,按照運(yùn)營模式差異對(duì)P2P網(wǎng)絡(luò)借貸平臺(tái)進(jìn)行分類,并對(duì)比分析了行業(yè)中不同運(yùn)營理念的P2P網(wǎng)絡(luò)借貸平臺(tái)的運(yùn)作模式、利率、收費(fèi)方式、風(fēng)控機(jī)制等具體內(nèi)容。根據(jù)網(wǎng)絡(luò)借貸行業(yè)現(xiàn)存問題進(jìn)行分析,從法律風(fēng)險(xiǎn)、信用風(fēng)險(xiǎn)、操作風(fēng)險(xiǎn)、市場風(fēng)險(xiǎn)和流動(dòng)性風(fēng)險(xiǎn)等五個(gè)方面入手探究問題產(chǎn)生的原因,以紅嶺創(chuàng)投為例進(jìn)行實(shí)例分析,研判行業(yè)風(fēng)險(xiǎn)生成原因。解讀國家最新政策結(jié)合監(jiān)控要求以及網(wǎng)絡(luò)借貸行業(yè)風(fēng)險(xiǎn)特征,針對(duì)性地提出促成行業(yè)健康發(fā)展的監(jiān)控模式,再參照發(fā)達(dá)國家的先進(jìn)監(jiān)控體系及經(jīng)驗(yàn),提出科學(xué)系統(tǒng)的監(jiān)控建議,完善風(fēng)險(xiǎn)監(jiān)控方法。結(jié)合系統(tǒng)的理論知識(shí)和詳實(shí)的數(shù)據(jù)積累,通過分析國內(nèi)現(xiàn)行的監(jiān)管趨勢和監(jiān)管要求,同時(shí)借鑒國外P2P行業(yè)監(jiān)管的成功經(jīng)驗(yàn),本文針對(duì)現(xiàn)有的金融監(jiān)管體系和現(xiàn)狀,研判在實(shí)行新的監(jiān)管辦法后我國P2P網(wǎng)絡(luò)借貸風(fēng)險(xiǎn)監(jiān)控體系的不足之處并提出完善的網(wǎng)貸監(jiān)控建議。針對(duì)風(fēng)險(xiǎn)來源,本文提出對(duì)于平臺(tái)外部風(fēng)險(xiǎn)需加強(qiáng)政府監(jiān)管力度,對(duì)于平臺(tái)內(nèi)部出現(xiàn)的風(fēng)險(xiǎn)就需要建設(shè)平臺(tái)自身的風(fēng)險(xiǎn)控制體系。政府監(jiān)管需要從明確監(jiān)管部門、監(jiān)控模式、制定相關(guān)法律法規(guī)、實(shí)現(xiàn)平臺(tái)與征信系統(tǒng)對(duì)接等幾個(gè)方面入手;平臺(tái)防控體系建設(shè)需考慮加強(qiáng)平臺(tái)評(píng)級(jí)制度、提高網(wǎng)絡(luò)環(huán)境安全性、準(zhǔn)備風(fēng)險(xiǎn)保證金、提高對(duì)用戶的審核等方面。結(jié)合內(nèi)因外因,從多個(gè)方面入手,希望促進(jìn)P2P行業(yè)可持續(xù)健康發(fā)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.
【學(xué)位授予單位】：浙江大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F724.6;F832.4;TP393.09

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