本文選題：P2P網(wǎng)絡借貸 + 融資可得性��； 參考：《廣東工業(yè)大學》2017年碩士論文

【摘要】：P2P網(wǎng)絡借貸(Peer-to-Peer Lending)是一種基于互聯(lián)網(wǎng),通過網(wǎng)絡借貸平臺達成借貸雙方交易的信息金融服務模式。這種網(wǎng)絡借貸模式最早發(fā)源于西方國家,如美國的Prosper和英國的Zopa。Prosper和Zopa經(jīng)過數(shù)十年的發(fā)展,具備方便快捷和友好的操作界面、較低且差異化的借款利率,在國際P2P網(wǎng)絡借貸領域中享有最高的聲譽。在我國,P2P網(wǎng)絡借貸市場自2007年開始成立,十年間,也涌現(xiàn)出大批優(yōu)秀的借貸平臺,如拍拍貸、人人貸、宜人貸等。中低收入階層及有借款需求的小微企業(yè)往往借款規(guī)模較小風險較大,使得其從銀行借款相對較難,那么,新的融資方式即P2P網(wǎng)絡借貸可以幫助其擺脫融資困境,尋求融資出路。P2P網(wǎng)絡借貸市場發(fā)展迅速,但同時也面臨著以下三個問題:第一、網(wǎng)絡借貸平臺上借款人的借款成功率相對較低;第二、網(wǎng)絡借貸平臺上借款人的融資成本遠遠高于銀行同期借款利率;第三、網(wǎng)絡借貸平臺大量興起,伴隨著風險平臺的倒閉跑路,使得借款人和投資者資金安全無法得到可靠保障,那么,對于投資者來說,選擇相對安全的綜合評級較高的網(wǎng)絡借貸平臺尤為重要。P2P網(wǎng)絡借貸市場以借貸平臺作為中介,借貸雙方之間存在嚴重的信息不對稱,導致較低的借款成功率和較高的借款利率。那么,降低借款人和投資者之間的信息不對稱成為網(wǎng)絡借貸市場發(fā)展的重點,借款人若提供表現(xiàn)較好的硬信息和軟信息,則能夠有效地緩解借貸雙方的信息不對稱程度。本文擬通過對國內(nèi)外文獻和相關(guān)理論的收集和整理,以拍拍貸作為相關(guān)網(wǎng)絡借貸問題的研究平臺。首先,將影響借款人融資的因素劃分為借款基本信息、硬信息和軟信息三大變量,運用理論和實證研究相結(jié)合的方式找出影響借款人融資成功率和融資成本高低的因素,并提出提高融資成功率和降低融資成本的可行性建議。其次,從資金分散度、資金流動性和資金杠桿率三個方面對網(wǎng)絡借貸平臺的風險控制水平進行因子分析評價,將影響借貸平臺綜合評級的因素濃縮為四個公共因子,對平臺的風險大小進行綜合評分和排名,促使各網(wǎng)絡借貸平臺通過建立自身風險控制系統(tǒng)以提高自身抵抗風險能力,成為借貸雙方愿意交易的安全平臺,在此基礎上,給予投資者選擇優(yōu)質(zhì)平臺進行投資交易的建議,為網(wǎng)絡借貸市場的健康發(fā)展提出市場監(jiān)管建議。
[Abstract]:Peer-to-Peer lending (Peer-to-Peer lending) is an information financial service model based on the Internet, which makes transactions between borrowers and borrowers through online lending platforms. This online lending model originated in western countries, such as Prosper in the United States and Zopa.Prosper and Zopa in the United Kingdom. After decades of development, it has a convenient, fast and friendly operating interface and low and differentiated borrowing rates. In the international P2P network lending field enjoys the highest reputation. Since the establishment of P2P network lending market in China in 2007, a large number of excellent lending platforms have emerged in the past ten years, such as PPDAI, peer-to-peer lending, pleasant loans and so on. Low- and middle-income groups and small and micro enterprises with borrowing needs tend to borrow on a smaller scale, making it relatively difficult for them to borrow from banks. Therefore, new forms of financing, namely P2P network lending, can help them get out of their financing predicament. P2P network lending market is developing rapidly, but it also faces the following three problems: first, borrowers on the online lending platform have relatively low success rate of borrowing; second, The financing cost of the borrowers on the online lending platform is far higher than the interest rate of the bank borrowing in the same period. Thirdly, the rise of the online lending platform, accompanied by the collapse of the risk platform, makes the security of the borrower and investors can not be guaranteed reliably. Well, for investors, it is particularly important to choose a relatively safe network lending platform with a higher comprehensive rating. The P2P network lending market uses the lending platform as an intermediary, and there is serious information asymmetry between the two parties. This leads to lower success rates and higher interest rates. Therefore, reducing the information asymmetry between borrowers and investors has become the focus of the development of online lending market. If borrowers provide better hard information and soft information, they can effectively alleviate the information asymmetry between borrowers and borrowers. Based on the collection and collation of domestic and foreign literature and related theories, this paper takes PPDAI as the research platform of online lending. First of all, the factors that affect the borrower's financing are divided into three variables: the basic information of loan, the hard information and the soft information, and the factors that affect the borrower's financing success rate and financing cost are found out by the combination of theory and empirical research. And put forward the feasibility suggestion of raising the financing success rate and reducing the financing cost. Secondly, factor analysis and evaluation are carried out on the risk control level of the network lending platform from three aspects of capital dispersion, capital liquidity and capital leverage ratio. The factors that affect the comprehensive rating of the lending platform are concentrated into four public factors. The risk scale of the platform is evaluated and ranked synthetically, which urges each network lending platform to establish its own risk control system to improve its ability to resist risks and become a safe platform for both parties willing to trade, and on this basis, To give investors a choice of quality platform for investment trading advice for the healthy development of the online lending market market regulatory advice.
【學位授予單位】：廣東工業(yè)大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F724.6;F832.4

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