互联网金融在2013年的中国呈爆发式增长态势,它带来的不仅是思维方式的改变,

更是一种对传统行业模式的变革和颠覆。P2P网贷是互联网金融的核心组成部分,体现

了一种无媒介、跨地域、打破空间和门槛限制的资本融通精神,是有史以来对传统资本

市场冲击力度最大的一次行业浪潮,让传统金融机构重新思考如何转型和更加贴近市场

与用户需求,创造以用户为核心的金融服务行业运作模式。因此我国P2P业的健康发展

具有多层次的作用,需要引导和扶持。

但是在P2P网贷业野蛮扩张的近两年中,监管缺位,风险和弊端逐渐暴露,影响

了行业健康发展和口碑,风险的爆发让行业后来者意识到P2P网贷面临的机遇与挑战,

如何对已经暴露的风险进行预防、管理是当务之急。本文通过研究P2P历史、行业风险,

借鉴国内外优秀P2P网贷企业风险管理经验,在研究国外成熟市场信用风险管理机制的

基础上,结合我国实际情况,分别从公司自律、行业间合作、上级监管三个不同角度,

对发展初期的P2P网贷行业提出一些合理化的风险预防和管理建议,希望能够为我国

P2P网贷业务的发展提供一些基础性研宄支持。

关键词:P2P网贷;互联网金融;信用风险管理;FIC0模型

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华东理工大学硕士学位论文

Abstract

Internet financial explosive growth trend in 2013 China, It is not only thinking the

change of thinking mode,but also reformation the traditional model of traditional

industries.The P2P lending Is the core of the Internet financial component, Embodies a kind

of spirit which stand for Non-medium,cross-regional, break the space and the threshold limit

of capital financing. Is one of the biggest industry shock wave to the traditional capital market.

Shocks make the market has to think about how to transform and more close to the market

and user needs. Created the new financial services industry operation pattern by the user

whom the core of them. The change has important historical significance, the support and

encourages for the industry by state is obviously

But in recent years, P2P lending industry barbaric expansion along with the absence of

regulation, the risks and disadvantages also gradually exposed,In extent, affected the healthy

development of the industry and word of mouth, risk outbreak also gives the opportunities

and challenges to latecomers at the same time,the most terrible is nescience of the problem

rather than the exposure of problems .By tracing the history of the birth of P2P lending,seize

the most important risk of the P2P industry, base on referencing the management experience

of the credit risk from excellent P2P institution home and abroad , and basis of researching

credit risk management mechanism on foreign mature market, combining with the actual

situation in our country, to develop P2P lending industry advances some Suggestions on

rationalization of risk control measures, and puts forward Suggestions to cross-industry

financial cooperation between enterprises, as well as the macro aspect for the current

regulatory supervision countermeasures of improving countermeasures, all of that is the goal

of this paper analysis and research.

Keywords: P2P net loans; Internet financial; Credit risk management; FICO model