p2p网络借贷平台企业财务风险预警——以“你我贷”为例.docVIP

- - 摘 要 信息技术快速发展背景下，为各行业领域注入新鲜的活力。以金融领域为例，不再局限于传统的“面对面”金融互动层面，通过互联网平台可达到交易目的，如网络借贷，有P2P网络借贷平台出现。值得注意的是，虽然近年来P2P网络借贷平台如雨后春笋般的快速兴起发展，但平台运行中的问题也逐渐凸显出来，如财务风险问题，这对于平台健康稳定运行有极大影响，更无从谈及保证借贷双方的合法权益。这就要求采取有效的风险预警管理策略，降低风险问题的发生以及风险危害。本次研究内容主要围绕P2P网络借贷平台财务风险控制视角出发，具体内容包括：第一，平台与财务风险介绍。主要对P2P网络借贷平台运行模式做简单介绍，并分析P2P网络借贷平台的财务风险问题以及财务风险管理的方法。第二，以“你我贷”网络借贷平台为例，分析其财务现状与财务管理情况。第三，财务风险问题与原因分析。第四，基于财务风险问题与原因，提出财务风险预警预防相关建议。 关键词：P2P网络借贷平台；财务风险问题；财务管理；改进策略 Abstract Under the background of rapid development of information technology, fresh vitality has been injected into various industries. Taking the financial field as an example, it is no longer confined to the traditional face-to-face financial interaction level. Through the Internet platform can achieve the purpose of transactions, such as network lending, there are P2P network lending platform. It is worth noting that although P2P network lending platforms have sprung up and developed rapidly in recent years, the problems in the operation of the platform have gradually become prominent, such as financial risks, which have a great impact on the healthy and stable operation of the platform. There is no way to talk about securing the legitimate rights and interests of both lenders and borrowers. This requires the adoption of effective risk early warning management strategies To reduce the occurrence of risk problems and risk hazards. This research mainly focuses on P2P network lending platform financial risk control perspective, the specific content includes: first, the platform and financial risk introduction. This paper mainly introduces the operation mode of P2P network lending platform, and analyzes the financial risk problem of P2P network loan platform and the method of financial risk management. Second, take the you and I loan network lending platform as an example to analyze its financial status and financial management. Third, the financial risk problem and the reason analysis. Fourth, based on the financial risk problems and r