我国p2p网络贷款平台全面风险管理体系构建分析

《我国p2p网络贷款平台全面风险管理体系构建分析》由会员上传分享，免费在线阅读，更多相关内容在学术论文-天天文库。

1、万方数据山东大学硕士学位论文结合宜信公司进行分析，强调在风险管理过程中关注“人”的作用。随着行业不断发展，该行业将会受到更多外部监管影响，因此本文在分析其全面风险管理内部环境的同时，适当关注外部环境中和外部监管和市场约束对于P2P网络贷款平台全面风险管理所带来的影响，并认为全面风险管理要落到实处，须既关注内部环境又须关注外部监管和市场约束。[关键词】：P2P网络贷款、LendingClub、宜信、风险管理、全面风险管理万方数据山东大学硕士学位论文AbstractP2Plending，硒agreatinnovationin

2、microfinance，isboomingallaroundtheworld．P2Plendingisshortforpeer-to-peerlending．Itisafinancialmodel山atallowsindividualstolendtoorborrowfromeachotheron趴Intemet-basedplatformoperatedbyallelectronicbusinesscompany．Accordingtostatisticsfromwangdaizhijia．corn，therewer

3、e1575P2PlendingcompaniesinChinauntildecember2014andtheturnoverreached282．90billionintheyear2014．Withincreasingnumberofplatformsandtumoverisgrowingnumbersofplatformsforbankruptcy．RiskmanagementplaysavitalimportanceinthedevelopmentofP2Plending．P2Plendingcompanyfirs

4、tcomesoutinChinain2006，begantoappearinsuccessionandrapiddevelopmentfrom2012，inExplosivegrowthattheSalTletime，P2Plendingriskalsograduallyrevealed，howtodealwitlltheaccumulationofrisksinthislow—riskmanagementsituationsinthelowlevelofriskmanagementandestablishascient

5、ificandeffectiveriskmanagementapproachtoP2Pcompaniesisimminent，howtostrengthen廿1eriskmanagementbecometheinevitablechoice．ThisarticlethroughstudiesP2Priskmanagementmechanismathomeandabroad，combinedwithdomesticactualsituationoptimizationandimprovement，buildP2Plendi

6、ngEnterpriseRiskManagementsysteminourcountry．Thisarticleusedtheliteratureanalysis，caseanalysis，theoreticalstudyandcomparativeanalysis，in—depthanalysisofP2PlendingenterpriseRiskManagementsysteminOurcountry．Thisarticlefirstintroducedtheresearchbackground，purposeand

7、significance，researchcontentandmethod．Thenliststhethreetheories：InformationasymmetryTheory,InternetFinanceTheory,EnterpriseRiskManagementTheoryasresearchP2Plendingriskmanagementtheoreticalbasis．BydomesticandforeignscholarsstudyofP2Plendingriskmanagementwereanalyz

8、edandsummarizedtheresultsofthestudy．ThedevelopmentofP2PlendingfromabroadanddomestictointroduceforeignP2Pmode，ofwhichtheLendingClubandCrediteaseasexamples，analy