国内P2P网贷的风险控制策略研究—以宜信为例工商管理专业.docx

国内P2P网贷的风险控制策略研究——以宜信为例 摘要 P2P网贷是一种将分散的小额资金汇集起来借贷给有资金需求人群的一种民间小额借贷方式。P2P网贷是依托互联网技术而产生的一种新的借贷模式，同时满足了个人、小微企业的消费和经营性贷款需求，一定程度上促进了普惠金融的发展，也有利于国家金融体系完善。P2P网贷平台以其交易方式灵活、低准入门槛等特点被广大群众所接受。自2006年以来P2P网贷平台引入我国，我国的P2P网贷平台发展迅速，上海拍拍贷是我国最早的P2P网贷平台。P2P网贷平台自引入国内至今虽然历经时间较短，但是在互联网经济蓬勃发展大背景下迎来“井喷式”的迅速扩张阶段。新兴的融资形式对于借贷条件相对较少，降低了传统商业银行要求抵押物作为降低信贷风险的约束性，为小、微企业解决融资壁垒问题，无疑P2P网贷平台有其积极作用。然而面对当下部门平台由于风险控制能力弱而倒闭，造成互联网金融贷款行业混乱，造成投资者的利益受损，不得否认网贷平台正遭受严峻的挑战。发展时间短，扩张速度快，网贷平台固有的盲目性警醒我们构建并完善行业风险控制机制，解决平台运行过程中“防什么、怎么防”的问题，强化内部和外部环境管理。 本文在研究内容上侧重于P2P网贷平台风险控制的现状，针对现状分析国内常见风险控制体系存在的问题，进而结合国内P2P网贷平台的代表企业——宜信。通过列举影响宜信风险控制的因素，如债券转让风险、债券转让风险、无抵押贷款风险等，分析其风险控制举措。分别从内部环境管理和外部环境管理两方面入手，总结得出网贷平台应该从防范信用风险和加强企业内部风险管理角度完善运行风险把控提升路径。 关键词：P2P网贷平台 风险把控 风控策略 Abstract P2P online lending is a kind of private micro-lending method that brings together scattered small funds to lend to people in need of funds. P2P online lending is a new lending model based on Internet technology, which meets the consumption and operational loan needs of individuals and small and micro enterprises, promotes the development of inclusive finance to a certain extent, and is also conducive to the improvement of the national financial system. P2P online lending platform is accepted by the masses for its flexible transaction mode and low entry threshold. Since the introduction of P2P online lending platform in 2006, China's P2P online lending platform has developed rapidly. Shanghai paipaidai is the earliest P2P online lending platform in China. Although P2P online lending platform has been introduced into China for a short time, it has ushered in the rapid expansion stage of "blowout" under the background of booming Internet economy. The emerging financing forms are relatively less in terms of borrowing and lending conditions, reducing the constraint of traditional commercial Banks to require collateral as credit risk reduction, and solving the financing barriers for small and micro enterprises. Undoubtedly, P2P online lending platforms have their positive role. However, in the face of the failure of the current departmental platform due to weak risk control ability, resulting in chaos in the Internet financial loan industry, resulting in the loss of investors' interests, it is undeniable that the online loan platform is suffering from severe challenges. With short development time and fast expansion speed, the inherent blindness of online loan platforms reminds us to construct and improve the industry risk control mechanism, solve the problem of "what to prevent and how to prevent" in the process of platform operation, and strengthen internal and external environment management. In order to enrich the theoretical basis and practical guiding role of the article, this paper USES the methods of literature analysis, the combination of theory and empirical analysis, comparative analysis and so on. In terms of research content, this paper focuses on the current situation of risk control of P2P online lending platform, analyzes the problems existing in common risk control system in China, and then combines with creditease, a representative enterprise of P2P online lending platform in China. The risk control measures of creditease are analyzed by enumerating the factors that influence the risk control of creditease, such as the risk of bond transfer, the risk of bond transfer, the risk of unsecured loan, etc. Starting from the internal environment management and external environment management, it is concluded that the network loan platform should improve the operation risk control and promotion path from the perspective of preventing credit risks and strengthening the internal risk management of enterprises. Keywords：P2P lending platform，risk control，risk control strategy 目录 国内P2P网贷的风险控制策略研究—以宜信为例 摘要………………………………………………………………………………………………… Abstract………………………………………………………………………………………….. 第一章．绪论…………………………………………………………………………………….. 1.1 选题的背景及意义……………………………………………………………………………………. 1.1.1选题背景……………………………………………………………………………………. 1.1.2选题意义……………………………………………………………………………………. 1.2 本文研究内容及研究方法 1.2.1.研究内容 1.2.2研究方法 第二章. 概念界定及国内外研究现状 2.1 概念界定 2.2 文献综述 2.2.1国外研究现状 2.2.2国内研究现状 第三章．国内P2P风险控制现状及常用模式 3.1 国内P2P网贷市场参与者风险分析 3.1.1 出借人 3.1.2 借款人 3.1.3 网贷平台 3.2 风险控制常用模式 3.2.1 担保模式 3.2.2 保险模式 3.2.3 技术手段规避风险 3.2.4 增信手段 第四章．案例分析—宜信风险控制分析 4.1 宜信企业概括 4.1.1宜信平台模式介绍 4.1.2 宜信发展现状 4.2 宜信风险因素分析 4.3 宜信风险管控方案 4.3 宜信防范风险的措施及经验借鉴 第五章，我国P2P网贷风险控制策略建议 5.1 内部风险控制策略 5.1.1 内部环境 5.1.2 目标设定 5.1.3 风险识别 5.1.4 风险评估 5.1.5 风险反应 5.1.6 控制活动 5.1.7 信息和交流 5.1.8 监控 5.2 外部风险控制策略 5.2.1 行业监管体系建设 5.2.2 行业自律体系建设 5.2.3 行业配套体系建设 第六章，结论与展望 6.1 本文总结 6.2对P2P企业风险控制研究的展望 参考文献…………………………………………………………….. 第一章 绪论 1.1选题的背景及意义 1.1.1 选题的背景 P2P(Peer to Peer Lending)）是把小额资金进行汇集，借