借贷市场风险管理研究——借款人风险管理研究

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1、AbstractP2PLendinghasbeenapopularintemet-basedlendingservlceinrecentyears·Comp缸ingtoconvemionallendingplatforms，likebanks，theservicesprovidedbyP2Pcanoperatewlthplatformsareconductedentirelyonline．Therefore，theP2Pplatforills10wercosts，thuscollectinglowerfeesfromth

2、elendersandtheinvestors·However。whatcomeswiththeconvenienceofthelendingservice，isthelargerrisk·Dif-ferentfromconventionallendingservices，P2Plendingservicesdonotconductstrictborro、verqualificationex锄ination．Inaddition，whenaborrowerdefaults，thefundingorother1nstltu

3、tlons。providedbytheinvestorwillnotbepaidbackbythegove：rnmentTherefore，theriskthattheinvestorcan’ttakethefundingbackissevere·ofInthispaper，wefirstconductedasurveyofthehistoryandtherecentdevelopmentP2Plendingintheworld，especiallyintheUS，UK，ChinaandAustralia‘Themain

4、DaItofthispaperisontheriskmanagementinP2Plendingmarket，whichareconductedintwoparts．Inthefirstpart，wetrytofindwhatkindofborrowerCansucceedinborrowmgmoneYinP2Plendingmarket．Inthelendingprocess，theP2PplatformwillfirstProVldesomethebasicaualificationexamination，onlyt

5、heborrowingrequirementthatpassesthisex眦inationcallgoontheplatformforthefollowingborrowing。lendingProcess·Infactorsinsucceedlng1npapeLweusethedatafromLendingClubtofindsignificantborrowinginP2Pplatforms．risk·InP2PInthesecondp抓，wet巧tofindwhatkindofborrowhashigherdef

6、aultstatusofeachboⅡowmg1endingmarket，thefundingisnotprotected．InLendingClub，themreauestisrecorded．WeusedthedatafromthisP2Pplatformtofindsigni6cant{actorsthedefaultriskanalysis．．．otThroughtheborrower’sriskmanagementresearch，theborrower’sriskpreVentlonP2Plendingm破e

7、tmainlyincludecriticallyreviewingoftheborrowerloanProcessaudlttheriskofriskbeforeloan，creditriskmanagementandcollectionriskSOastoreduceondealmgwit上1borrowerdefault．WeputforwardsomecountermeasuresandsuggestionsP2Plendingmarketborrowerrisk．L。allrate,DefaultriskKeyw

8、ords：P2PLending，RiskManagement，Successful第1I页万方数据首都经济贸易大学硕士学位论文P2P借贷市场风险管理研究目录1导j沦11．1研究背景及意义．．11．1．1研究背景．11．1．2研究意义．31．2研究思路．．31．3结构安排一42理论基础与研究综述42．1P2P网络借贷的