国际商-P2P网络借贷平台财务风险识别与防范研究——以红岭创投为例.pdfVIP

P2P 网络借贷平台财务风险识别与防范研究 ——以红岭创投为例 摘 要：在互联网金融时代，P2P 网络借贷作为互联网金融中的主力军，由于其准入门 槛低，近年来也进入高速发展阶段，平台运营数也从最初的一家扩展到如今的上千家。看似 一片繁华景象，但背后依然暗藏着许多风险，大量问题平台的出现不仅损害了投资者的利益， 更是在网络借贷行业引起了动荡。2018 年 P2P 网络借贷行业经历了一场雷潮，让大量问题 平台难以幸免，至 2018 年底仅余 1021 家。问题平台的出现可由多种原因引起，但因平台自 身的财务困境而引发的财务风险往往没被重视。因此，对 P2P 网络借贷平台的财务风险进 行识别与防范方面的研究是非常有必要的。 本文主要采用了文献研究法、比较分析法与案例分析法对 P2P 网络借贷平台面临的财 务风险进行了具体分析。本文首先对国内外的相关研究文献进行回顾，并对 P2P 网络借贷 平台现状进行了概述。然后选取红岭创投为研究案例，对其面临的财务风险进行全面分析并 总结出该平台现有的应对措施。最后以红岭创投为鉴，对整个 P2P 网络借贷行业财务风险 的防范提出切实可行的建议。 关键词：P2P 网络借贷；财务风险；风险防范 I Research on Financial Risk Identification and Prevention of P2P Lending Platforms-Take HongLing Venture Capital for Example Abstract: In the era of Internet finance, P2P lending as the main force in Internet finance has entered a stage of rapid development because of its low entry threshold in recent years, and the number of platform operations has expanded from the original one to thousands today. It seems to be a bustling scene, but there are still many hidden risks behind it. The emergence of a large number of problem platforms not only damages the interests of investors, but also causes turmoil in the online lending industry. In 2018, the P2P lending industry experienced a thunder, which made it difficult for a large number of problem platforms to survive. By the end of 2018, there were only 1021. The emergence of the problem platform can be caused by a variety of reasons, but the financial risks caused by the platforms own financial distress are often not taken seriously. Therefore, it is very necessary to study the identification and prevention of financial risks of P2P lending platforms. This paper mainly uses the literature research method, comparative analysis method and case analysis method to an