【作者】 刘洋；

【导师】 张亚斌； 周定贵；

【作者基本信息】 湖南大学 ， 国际商务硕士（专业学位）， 2018， 硕士

【副题名】以红岭创投为例

【摘要】 互联网金融的迅猛发展催生出P2P网络借贷,作为创新的产品形式,它为中小微企业的融资困难提供了新的解决途径,降低了交易成本,弥补了传统金融业务的空缺,同时也为我国居民投资理财提供了新的渠道。但P2P网络借贷平台的野蛮生长,行业监管的空白,频频爆发的信贷风险危机,使P2P网络借贷平台的未来发展充满挑战。如何正确认识P2P网络借贷平台的信贷风险,进行有效的风险防范,成为我们关注的重点。本文首先对P2P网络借贷的发展阶段和流程进行简单介绍,接着引入目前我国P2P网络借贷的发展现状和用户情况。之后对导致P2P网络借贷平台信贷风险的影响因素作出分析,通过层次分析法设置信贷风险评价体系。通过案例分析法介绍红岭创投平台的背景、收费模式及风控体系,通过向专业人员发放问卷调查和访谈形式得出的数据,运用模糊综合评价法,对各类因素的影响权重进行数据分析,得出结论:尽职调查能力、行业联盟和自律组织的缺乏成为影响红岭创投的信贷风险产生的最重要因素,总体风险权重为3.0044,所对应的风险等级为“较高”。以此为出发点对P2P平台信贷风险的防范提出相关建议,通过设立准入门槛、建立行业联盟和自律组织,P2P平台提高自身尽职调查能力和信息披露水平,以更好地应对未来的市场变化,促进行业的健康发展。更多还原

【Abstract】 The development of intermet finance has spawned P2P network lending,as an innovative product form,which relieves the financing pressure of small and medium-sized micro-enter:prises to a certain extent,reduces transaction costs,makes up for vacancies in traditional financial services,and alsoprovides new channels for Chinese residents to investment financing.However,the barbaric growth of the P2P network lending platform,the blankness of industry supervision,and the frequent outbreak of credit risk crisis make the future development of the P2P network lending platform challenging.How to correctly understand the credit risk of the P2P network lending platform and conduct effective risk prevention has become the focus of our attention.This article first briefly introduces the development stage and process of P2P network lending,and then introduces the development status and user situation of current P2P network lending in China.After that,it analyzes the factors influencing the credit risk of the P2P network lending platform and sets the credit risk assessment system through the analytic hierarchy process.Case analysis method is used to introduce the background,charging model and risk control system of the Hongling Venture Capital Platform.The questionnaires and interviews are distributed to professionals in the form of data.Fuzzy comprehensive evaluation method is used to analyze the weight of various factors.The analysis concludes that due diligence,industry alliances,and lack of self-regulatory organizations have become the most important factors affecting the credit risk of Hongling Venture Capital.The overall risk weight is 3.0044,and the corresponding risk level is"higher".Taking this as a starting point,relevant suggestions for the prevention of credit risk on the P2P platform are proposed.Through establishing barriers to entry,establishing industry alliances and self-regulatory organizations,the P2P platform improves its own due diligence capabilities and information disclosure levels to better respond to future market changes,and promote the healthy development of the industry.更多还原