【摘要】：互聯(lián)網(wǎng)貸款平臺(tái)是一種基于傳統(tǒng)借貸服務(wù),與網(wǎng)絡(luò)信息技術(shù)有機(jī)結(jié)合并順應(yīng)時(shí)代潮流發(fā)展的全新產(chǎn)物。互聯(lián)網(wǎng)貸款平臺(tái)準(zhǔn)入門(mén)檻低、受惠人口廣,金融服務(wù)覆蓋率高,是一種倡導(dǎo)廣泛化、民主化的新型金融模式。但同時(shí),也存在諸多與互聯(lián)網(wǎng)貸款行業(yè)蓬勃發(fā)展相背離的事件,由于互聯(lián)網(wǎng)貸款領(lǐng)域準(zhǔn)入門(mén)檻低、行業(yè)監(jiān)管缺乏、自律意識(shí)差等因素引發(fā)的風(fēng)險(xiǎn)問(wèn)題也逐步凸現(xiàn)出來(lái),跑路、提現(xiàn)困難、經(jīng)偵介入等互聯(lián)網(wǎng)貸款平臺(tái)惡性退出事件頻發(fā)。因?yàn)樵趷盒酝顺鍪录l(fā)生前很多平臺(tái)都運(yùn)營(yíng)良好、未發(fā)生異常情況,所以未知與突發(fā)的風(fēng)險(xiǎn)給平臺(tái)經(jīng)營(yíng)者與投資方的打擊與損失更為巨大。事實(shí)上,互聯(lián)網(wǎng)貸款平臺(tái)作為撮合借貸的橋梁,自身并不會(huì)提供太多借款資本,其不僅面臨由于信息不對(duì)稱造成借款無(wú)法收回的問(wèn)題,還存在由于無(wú)法收回借款而導(dǎo)致平臺(tái)上的資金借出者和平臺(tái)的投資者投資失敗的問(wèn)題,本文研究的側(cè)重點(diǎn)與其他文章不同,不在于研究如何防范資金借入者逾期還款甚至騙貸的問(wèn)題,而在于研究影響互聯(lián)網(wǎng)貸款平臺(tái)正常經(jīng)營(yíng)的影響因素。對(duì)互聯(lián)網(wǎng)貸款行業(yè)的健康發(fā)展有一定的參考意義。本文先分別介紹了國(guó)內(nèi)外互聯(lián)網(wǎng)貸款平臺(tái)的發(fā)展現(xiàn)狀與不同運(yùn)營(yíng)模式,采用網(wǎng)貸之家發(fā)布的最新數(shù)據(jù)說(shuō)明2016年至2017年我國(guó)互聯(lián)網(wǎng)貸款平臺(tái)的基本情況與變化趨勢(shì),并對(duì)不同運(yùn)營(yíng)模式分別分析,說(shuō)明各自發(fā)展優(yōu)勢(shì)與不足,并對(duì)風(fēng)險(xiǎn)進(jìn)行理論闡述。接下來(lái)采用描述性分析與Logistic回歸分析相結(jié)合的方式,對(duì)互聯(lián)網(wǎng)貸款平臺(tái)經(jīng)營(yíng)風(fēng)險(xiǎn)進(jìn)行實(shí)證分析,發(fā)現(xiàn)影響網(wǎng)貸平臺(tái)正常經(jīng)營(yíng)的因素有注冊(cè)資本數(shù)量,是否有風(fēng)險(xiǎn)準(zhǔn)備金,風(fēng)險(xiǎn)準(zhǔn)備金額度,經(jīng)營(yíng)模式數(shù)量,與擔(dān)保公司合作,與融資租賃公司合作,其他經(jīng)營(yíng)模式,是否加入?yún)f(xié)會(huì),銀行存管,獲得ICP許可,加入第三方征信平臺(tái),接受網(wǎng)絡(luò)考察、綜合收益率的高低等13個(gè)因素,并且除綜合收益率的高低外,其他因素均與網(wǎng)絡(luò)平臺(tái)的正常經(jīng)營(yíng)正相關(guān)。網(wǎng)貸平臺(tái)的上線時(shí)間、資本背景、與小貸公司合作、進(jìn)行平臺(tái)墊付、與保險(xiǎn)公司合作,與保理公司合作則對(duì)平臺(tái)能否正常經(jīng)營(yíng)的影響不明顯。最后分別從國(guó)家宏觀角度、互聯(lián)網(wǎng)貸款平臺(tái)中觀層面與互聯(lián)網(wǎng)貸款平臺(tái)微觀層面三方面提出防范風(fēng)險(xiǎn)策略。
[Abstract]:Internet loan platform is a new product which is based on the traditional lending service, organically combines with the network information technology and conforms to the trend of the times. Internet loan platform has low entry threshold, wide beneficiary population and high coverage of financial services. It is a new financial model that advocates extensive and democratization. But at the same time, there are also many incidents that deviate from the booming development of the Internet loan industry. Because of the low entry threshold in the field of Internet loans, the lack of supervision in the industry, the lack of self-discipline awareness and other factors, the risk problems have gradually emerged and run away. Difficult to withdraw, such as detection intervention and other Internet loan platform malignant withdrawal events frequently. Because many platforms operate well before the malignant exit event, there is no abnormal situation, so the risk of unknown and unexpected attack and loss to platform operators and investors is even greater. In fact, Internet lending platforms, which act as bridges between lending and lending, do not provide much borrowing capital on their own, not only because of information asymmetry, which makes loans uncollectible. There are also the problems of the failure of the investment of the fund lenders and investors on the platform due to the inability to recover the loans. The emphasis of this paper is different from other articles. It is not about how to prevent the loaner from overpaying or even deceiving the loan, but about the influencing factors that affect the normal operation of the Internet loan platform. For the healthy development of the Internet loan industry has a certain reference significance. This paper first introduces the current situation and different operating modes of Internet loan platforms at home and abroad, and explains the basic situation and changing trend of Internet loan platforms in China from 2016 to 2017 by using the latest data released by Internet loan House. And analyzes the different operation modes, explains their respective development advantages and disadvantages, and expounds the risk theory. Then, by combining descriptive analysis with Logistic regression analysis, the paper makes an empirical analysis on the operating risk of Internet loan platform, and finds out that the factors that affect the normal operation of Internet loan platform are the number of registered capital and the risk reserve. The amount of risk reserve, the number of business models, cooperation with guarantee companies, cooperation with financial leasing companies, other business models, whether to join the association, bank deposit management, obtain ICP permission, join the third-party credit platform, accept network inspection, There are 13 factors, such as the comprehensive return rate, and all other factors are positively related to the normal operation of the network platform except the comprehensive rate of return. The online time, capital background, cooperation with small loan companies, advance payment with insurance companies, and cooperation with factoring companies have no obvious impact on the normal operation of the platform. Finally, from the national macro point of view, Internet loan platform meso level and Internet loan platform micro level three aspects of risk prevention strategy.
【學(xué)位授予單位】：山東大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類(lèi)號(hào)】：F724.6;F832.4

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