發(fā)布時(shí)間：2018-11-14 20:33

【摘要】：近幾年以來,互聯(lián)網(wǎng)金融常常出現(xiàn)在大家的視線中,P2P網(wǎng)絡(luò)借貸平臺(tái)很快得到了市場(chǎng)的認(rèn)可。陸金所作為平安集團(tuán)的子公司主要以P2P業(yè)務(wù)起家,在2012年3月正式投入運(yùn)營(yíng)。截止2016年底已成為中國(guó)最大的網(wǎng)絡(luò)投融資平臺(tái)之一,其發(fā)展的成功之處值得肯定與學(xué)習(xí)。本人在了解陸金所的運(yùn)營(yíng)模式以及其產(chǎn)品后,對(duì)其P2P平臺(tái)風(fēng)險(xiǎn)現(xiàn)狀的進(jìn)行分析,指出陸金所P2P平臺(tái)風(fēng)險(xiǎn)控制點(diǎn),包括征信系統(tǒng)、信息透明度、財(cái)務(wù)風(fēng)險(xiǎn)管理機(jī)制等。結(jié)合陸金所P2P業(yè)務(wù)控制財(cái)務(wù)風(fēng)險(xiǎn)的管理經(jīng)驗(yàn)和問題提出一些建議。在撰寫本文時(shí),首先介紹了陸金所目前的經(jīng)營(yíng)狀況,主要包括陸金所成立的背景、其主要幾類理財(cái)產(chǎn)品、具體產(chǎn)品分類、運(yùn)營(yíng)中各環(huán)節(jié)的盈利方式以及相關(guān)風(fēng)險(xiǎn)。然后分析了陸金所的P2P業(yè)務(wù),包括主要產(chǎn)品介紹、業(yè)務(wù)具體流程等。接著對(duì)陸金所P2P平臺(tái)所在經(jīng)營(yíng)過程中財(cái)務(wù)風(fēng)險(xiǎn)進(jìn)行了分析,分別對(duì)其信用風(fēng)險(xiǎn)、資本風(fēng)險(xiǎn)、盈利風(fēng)險(xiǎn)以及流動(dòng)風(fēng)險(xiǎn)四個(gè)方面進(jìn)行了成因及識(shí)別分析,發(fā)現(xiàn)陸金所P2P平臺(tái)財(cái)務(wù)風(fēng)險(xiǎn)主要源于征信系統(tǒng)不完善、互聯(lián)網(wǎng)與金融行業(yè)存在信息割裂、注冊(cè)資本不足、交易量不足以覆蓋固定成本等。并闡述了陸金所P2P平臺(tái)財(cái)務(wù)風(fēng)險(xiǎn)管理現(xiàn)狀以及存在的問題,例如:征信資料不完備,信用評(píng)價(jià)效果不佳,信息透明度差,實(shí)繳比例不足,投資成本增加等。最后針對(duì)陸金所P2P平臺(tái)財(cái)務(wù)風(fēng)險(xiǎn)管理中存在的問題提出建立并完善風(fēng)險(xiǎn)預(yù)警機(jī)制和信用評(píng)級(jí)機(jī)制、完善信息披露制度并提高信息透明度、加快去擔(dān)保進(jìn)程、控制成本、加強(qiáng)外部合作等建議,并提出展望。
[Abstract]:In recent years, Internet finance often appears in the sight of everyone, P2P network lending platform has been quickly recognized by the market. Lufax, as a subsidiary of Ping an Group, started with P2P business and put into operation in March 2012. By the end of 2016, China has become one of the largest online investment and financing platform, its development success is worthy of recognition and learning. After understanding lufax's operation mode and its products, this paper analyzes the present situation of the risk of peer-to-peer platform, and points out the risk control points, including credit information system, information transparency, financial risk management mechanism and so on. Combined with lufax P2P business management experience and problems in controlling financial risk put forward some suggestions. When writing this article, we first introduce lufax's current operating situation, mainly including the background of lufax's establishment, several kinds of financial products, the classification of specific products, the profit mode of each link in operation and the related risks. Then analyzes lufax's P2P business, including the main product introduction, business process and so on. Then it analyzes the financial risk of lufax P2P platform, and analyzes its credit risk, capital risk, profit risk and liquidity risk respectively. It is found that the financial risk of lufax P2P platform is mainly due to the imperfection of credit information system, the information separation between the Internet and the financial industry, the insufficient registered capital and the insufficient trading volume to cover the fixed cost and so on. The present situation and existing problems of financial risk management in lufax P2P platform are expounded, such as incomplete credit information, poor credit evaluation effect, poor information transparency, insufficient proportion of actual payment, increasing investment cost, and so on. Finally, aiming at the problems existing in the financial risk management of lufax P2P platform, the paper proposes to establish and perfect the risk warning mechanism and credit rating mechanism, to perfect the information disclosure system and to improve the information transparency, to speed up the process of de-guarantee, and to control the cost. Strengthen external cooperation and other suggestions, and put forward prospects.
【學(xué)位授予單位】：寧夏大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F724.6;F832.4;F830.42

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