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论文编号：	9094
作者编号：	2120152879
上传时间：	2017/6/6 12:19:37
中文题目：	“人人贷”P2P网络借贷风险管理研究
英文题目：	Research on Risk Management of RENRENDAI P2P Lending
指导老师：	李莉
中文关键字：	网络借贷;风险管理;人人贷
英文关键字：	P2P Lending;Risk Management;RenRenDai
中文摘要：	P2P网络借贷是民间借贷依托互联网技术实现安全与互联互通基础上的适应新需求的金融创新，是传统金融行业与互联网技术相结合的新兴领域，为个人投资和小微企业融资提供一个有效的渠道。随着经济形势的发展，P2P网络借贷获得了非常大的发展，同时在其运营过程中也暴露了大量的风险管理方面的问题。如何在大力发展网络借贷规模的同时控制好网络借贷业务中的各种风险对P2P网络借贷业务的持续稳健发展至关重要，学术界也越来越多的关注相关问题的研究。我们需要系统地分析P2P网络借贷的运营流程，研究其可能存在的风险，并提出相关风险的防范对策。 “人人贷”作为P2P网络借贷行业中的著名品牌，以较低的坏账率获得了大量投资人的认可，其风险管理水平处于较高的水平。本文对“人人贷”网络借贷业务的风险管理状况进行了分析，结合相关理论基础，指出其在业务流程设计不规范，制度不健全，风险管理人员缺乏相关经验以及风控员工违规操作等方面存在管理漏洞。接着通过对企业内外运营环境分析，指出“人人贷”在风险管理方面存在问题的原因和影响因素。最后本文对于“人人贷”在提升网络借贷业务风险管理的水平上，需要在完善信用评价体系，优化网络借贷管理流程，加强员工队伍建设和实现外部机构合作共担风险方面做出努力。风险管理的要求促进了金融的创新，而金融的不断创新又是对风险管理进一步完善的动力。伴随行业风险增大，风险管理的重要性越凸显，需求性越迫切。对于P2P网络借贷业务的长期稳定发展而言，风险管理的质量有着重要意义，“人人贷”在扩大业务规模的同时，更需要加强对风险管理的重视程度。本文总结了“人人贷”在风险控制过程中一些成功的做法值得业内企业学习和借鉴，提出“人人贷”在风险管理过程存在的不足并提出改善建议，也能对国内其他P2P网络借贷企业提供参考。
英文摘要：	P2P lending is the new form of private lending. It is the new requirement to adapt to the financial innovation relied on Internet technology to achieve security and interoperability.P2P lending is the emerging field of traditional financial industry and the Internet technology combined with the personal investment and financing Small and micro businesses to provide an effective channel. With the development of the economic situation, P2P lending has been an important development, but also exposed a lot of risk management issues in the course of its operation. It is a important subject that how to control the risk management issues with the the P2P lending business steady development. Research on related issues of concern in academic circles are more and more. It is necessary for us to make a systematic analysis of the P2P lending operation process, to explore the potential risks, and to put forward the Countermeasures of risk prevention. As a well-known brand in the P2P lending industry, “RenRenDai” has been recognized by a large number of investors with a low bad debt rate, and its risk management level is at a high level. In this paper, the status of risk management of “RenRenDai” are analyzed, combined with the relevant theoretical basis, pointed out in its business process design is not standardized, the system is not perfect and the lack of risk management existence in management experience etc. Secondly, through the analysis of the internal and external operating environment, the paper points out the reasons and influencing factors of the risk management. Finally, for the " RenRenDai " in enhancing the risk management of network lending business level, the need to improve the credit evaluation system, optimize the network lending management process, strengthen risk sharing cooperation team construction and implementation of external agencies to make efforts. The requirement of risk management promotes the innovation of finance, and the continuous innovation of finance is the motive force for further improvement of risk management. With the increase of industry risk, the importance of risk management becomes more and more obvious, and the demand is more urgent. For the long-term stable development of P2P lending business, the quality of risk management is of great significance, “RenRenDai” in expanding the scale of business, but also need to strengthen the importance of risk management. This paper summarizes the “RenRenDai” in the risk control in the process of some successful practice is worth learning and reference of enterprises in the industry, put forward the the process of risk management problems and put forward improvement suggestions, can provide reference for other domestic P2P lending business.
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