P2P网贷平台风险监控有效性分析——基于银行风控指标视角.docVIP

PAGE PAGE 20 P2P网贷平台风险监控有效性分析 ——基于银行风控指标视角 摘要：互联网经济不断发展，诞生了多种形态的金融模式。P2P借贷作为一种创新的金融组织形式，顺应了我国当下的融资需求。鉴于我国P2P行业发展仍比较不完善，而P2P平台如何进行风险控制是关系到未来P2P行业发展至关重要的问题，有效的风险防范及控制，不仅有利于整个行业的健康发展，还有利于整个金融体系的稳定。本文通过在对相关文献整理后，选取了商业银行风险控制指标体系对50家平台的样本数据进行整理，并对实证数据结果做进一步分析，并提出一些适用性建议。本文主要采用了文献分析法、比较分析法和描述性统计分析法，定性方法与定量方法相结合。从财务角度，用财务指标检验平台风险方面的文献在我国基本处于空白阶段，使用财务指标对P2P平台风险控制的有效性研究更是少见，所以本文从财务指标角度探讨P2P网贷平台风险有效性，希望能为该问题的进一步研究奠定理论基础。 关键词：P2P网贷平台风险控制财务指标有效性 P2P net loan platform to monitor the effectiveness of risk analysis - Based on the perspective of bank risk control indicators Abstract: Internet economy continues to develop, the birth of a variety of forms of financial models. P2P lending as an innovative form of financial organizations, in line with the financing needs of the moment. In view of the development of Chinas industry is still relatively imperfect P2P, P2P platform and how to conduct risk control is vital to the future development of P2P issues related to the industry, effective risk prevention and control, not only conducive to the healthy development of the industry, as well as benefit the whole stability of the financial system. By finishing in the relevant literature, selected commercial bank risk control index system of sample data 50 platform to organize, and the results of the empirical data for further analysis, applicability and make some recommendations. In this paper, the literature analysis, comparative analysis and descriptive statistical analysis, qualitative methods and quantitative methods combined. From a financial point of view, the literature test platform financial indicators of risk in our country basically a blank stage, the use of financial indicators of the effectiveness of risk control in P2P platform is rare, so this P2P net loan platform to explore the effectiveness of risk from the perspective of financial indicators , hoping to lay the theoretical foundation for further study of the problem. Keywords: P2P Lending Risk Control Financial index