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论文编号：	8356
作者编号：	2120142562
上传时间：	2016/6/8 9:08:25
中文题目：	PD公司网络借贷信息中介业务的风险控制研究
英文题目：	Research on Risk Management of PD Company’s Network Lending Service
指导老师：	李莉
中文关键字：	互联网金融；网络借贷信息中介；风险控制
英文关键字：	Internet Finance; P2P lending; Risk Management
中文摘要：	近年来，互联网金融无论是在概念上还是实践上，在风险资本的助推下都出现了井喷式的成长。 在各种互联网金融模式中，最能体现普惠金融特性的商业模式即是网络借贷信息中介业务，该业务也被普遍称为P2P网络借贷。在规模和成交额迅速壮大的过程中，该行业得到市场和各界的高度关注。作为当前正规金融市场的补充，网络借贷实现了民间借贷与互联网信息技术的融合，虽然其创新行为发生在传统金融体系的边缘地带，但其展现的颠覆性力量已不可否认，甚至在风险投资资本集中进入时期一度有倒逼传统金融机构改革的趋势，目前中国网络借贷信息中介历经野蛮生长时期的快速发展，也暴露出一些问题，特别是行业平台良莠不齐，跑路和倒闭事件层出不穷，使社会出现质疑的声音。究其深层次的原因，网络借贷信息中介在中国大陆的发展模式相比于发达国家尚不成熟，普遍缺乏风险控制能力，这直接制约了其发挥低成本、高效率的优势。因此，在这种情况下，有必要对网络借贷信息中介业务的风险控制问题进行深入研究，并提出有效的风险控制改进方案。 本文通过对国内外网络借贷信息中介业务平台的现状及风险控制等方面进行剖析，发现我国网络借贷信息中介平台在风险控制方面的问题与不足，同时以当前最为符合银监会对网络借贷信息中介定义的PD公司为研究对象。通过对PD公司运营现状的研究，发现其在风险控制方面的独到之处和不足之处，继而提出可以应用于整个行业的改进方案，推动这种创新金融模式的健康发展。 研究过程中，作者对网络借贷信息中介进行深入分析，在研究内容有一定的创新性。其创新点主要包括：其一，应用大数据，尝试构建了P2P网络借贷平台风险控制模式；其二、以PD公司为案例进行研究，全面解读目前国内网络借贷信息中介业务领军企业的风险控制现状，补充国内平台的研究空白。
英文摘要：	In recent years, Internet finance have grown so rapidly no matter in the concept or in practice under the help of venture capital. As an important supplement to the current financial market, internet information lending agency as known as P2P innovation occurs in the edge zone, but no one can deny its power, and even forced traditional financial institutions reform, while China's rapid development of internet information lending agency, but also exposed some problems, foot and the collapse of things, the reason, internet information lending agency in China's development model is not mature, the general lack of platform for the most important risk control. This directly restricts our country internet information lending agency platform to play its low cost, high efficiency advantages. Therefore, in this case, it is necessary to study the risk of internet information lending model, and put forward the effective risk control measures. In this paper, the status of domestic and foreign internet information lending platform, operation mode and risk control analysis, find problems and shortcomings existed in our internet information lending platform, also to the current domestic network lending platform integrated index ranked first in the company as the object of study by for the land of gold operation status of research, found the originality and deficiency in the risk control. Then it puts forward can be applied to the improvement scheme of the whole industry, promote the development of this innovative financial health. During the research, the author makes a thorough analysis of the internet information lending, and the research content has a certain innovation. The innovation points mainly include: first, the application of big data, try to build the internet information lending agency platform risk control model; second, the case study of PD company, a comprehensive interpretation of the current domestic internet information lending agency leader in the risk control model, and complement the domestic internet information lending agency platform.
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