P2P 网络借贷是个人对个人的借款行为，并通过互联网完成交易。这种新型借 贷方式的问世，为社会带来了很大的便利，传统的借贷行为是个人对银行，存在着 流程复杂，门槛高等难题，现在，贷款变的方便快捷。随着时代的发展，互联网的 兴起，P2P 网络借贷的问世是历史的必然。并在最近几年时间里取得了飞跃的发 展。但是，P2P 网络借贷的现状还存着很大的隐患，没有一个完善健全的体系对其 进行监管,导致平台的两端经常发生违约的情况，为社会的稳定造成了严重的影 响。如果这个行业想要继续走下去，就必须采取手段，解决自身的问题。根据我国 特有的国情，P2P 网贷平台的发展模式已经和历史的模式脱轨。在传统个人对个人 的模式的基础上又出现了很多新的模式，从而想要对统一的管理和整顿成为一个特 殊的难题。网贷平台中的问题日益复杂，让监管机构对其采取的措施也日益严苛。 在 2010 年，我国出现了第一批以“人人贷”为首的互联网金融企业。纵观整个行 业的发展，“人人贷”平台对于信用风险的把控方面在整个行业中是一个典型。 在以下的章节中，第一部分将是关于 P2P 网贷平台的历史和现状，信用风险的 含义及控制方法等方面的介绍。第二部分将是对以“人人贷”网络借贷平台的经营 方式以及在信用风险防控方面的方式和存在的问题等方面进行描述。最后一部分则 是关于对“人人贷”网络借贷平台这个个例的分析，利用科学的分析方法针对信用 风险的种类和历史原因等方面进行剖析。从而来产生关于如何解决“人人贷”网络 借贷平台信用风险把控难题的方法和结论。这篇文章的意义在于通过站在现实的基 础上，针对 P2P 网贷平台在我国的是如何运作的，以“人人贷”网络借贷平台为个 例，从网贷平台的信用风险方面的分析，来观察整个行业存在的风险。并提出关于 企业如何从自身出发来对信用风险进行把控的想法。进而让我国的 P2P 网贷平台的 发展走向正轨，促进互联网金融的稳定，保证我国宏观经济的平稳发展。 关键词：“人人贷”，网络借贷平台，信用风险，防控III RESEARCH ON CREDIT RISK PREVENTION AND CONTROL OF RENREN LOAN ONLINE LOAN PLATFORM Abstract P2P online lending is a small-scale lending transaction in which individuals and individuals borrow each other through an e-commerce online platform. The emergence of online lending has solved the problem of lending to small and medium-sized enterprises and ordinary people. The loan does not need to look at the bank's face, reflecting the concept of inclusive finance. The emergence of P2P online platform is a trend, and its development has been triumphant in recent years. However, the current operation of the P2P online platform also contains various risks. Borrowers default, owe money, the platform is running, and the supervision is not strict. Therefore, risk control is the key to the development of the P2P online platform. Control determines the survival and development of the industry and affects the stability and development of the investment market. Due to the large variation in the development of P2P online platforms in China, most of them have deviated from the essence of such an information intermediary, such as the traditional online mode, and have evolved a variety of operating modes with Chinese characteristics, which makes Regulation has become extremely tricky. The regulatory attitude of China's supervisory authorities on the P2P online lending platform has been tolerated from the beginning to the current negative list type of strict requirements. Among them, the credit risk prevention and control problem of P2P online lending platform phenomenon-level enterprise renren loan is more representative of the current situation of the entire industry. “renren loan” is a personal lending business. It was established in October 2010 and is one of the earliest Internet financial services companies in China.IV This paper first introduces the concept development process of China's P2P online loan platform, credit risk concept and P2P credit risk type, and expounds the credit risk management theory. Then it introduces the operation mode of China's P2P online loan platform, and analyzes the current situation of risk management of “renren loan” platform, including the operation mode of “renren loan” platform and the credit risk of “renren loan” platform. Problems with the risk control of loan platforms. The third part of the article is the identification and measurement of the credit risk of the “renren loan” online loan platform. It analyzes the source of credit risk of “renren loan” and identifies the type of credit risk, and then uses the analytic hierarchy process. The calculation of the weights was carried out. Finally, based on the analysis results, the risk prevention and control measures of the “renren loan” platform were proposed. Based on the actual operation, this paper is based on the specific operation mode of the domestic P2P online lending platform, and takes “renren loan” as the research object, analyzes the credit risk of the internet loan platform, analyzes the platform-specific risks, and summarizes the common risks. From the perspective of internal risk management, we put forward our own suggestions and guide the platform to embark on a path of healthy and sustainable development, thus maintaining the stability of the domestic macroeconomic situation and effectively promoting the development of China's Internet inclusive finance. This is the significance of this paper. Keywords: renren loan, online loan platform, credit risk, prevention and controlV 目 录 中文摘要..........................................................................................................II Abstract........................................................................................................III 目 录..................................................................................................................V 第一章 绪论....................................................................................................1 1.1 研究背景及意义...................................................................................................1 1.1.1 研究背景.........................................................................................................1 1.1.2 研究意义.........................................................................................................2 1.2 研究的内容与方法...............................................................................................3 1.2.1 研究内容.........................................................................................................3 1.2.2 研究方法.........................................................................................................3 1.3 本文的创新之处...................................................................................................3 第二章 相关概念及理论基础.........................................................................4 2.1 信用风险的概念....................................................................................................4 2.2 信用风险的成因....................................................................................................5 2.2.1 信用脆弱理论.................................................................................................5 2.2.2 信息不对称理论.............................................................................................6 2.3 信用风险管理理论.................................................................................................6 2.4 信用风险管理流程.................................................................................................7 2.4.1 信用风险识别阶段..........................................................................................7 2.4.2 信用风险度量阶段..........................................................................................7 2.4.3 信用风险控制阶段.........................................................................................8VI 2.5 我国 P2P 网贷平台运营及信用风险防控模式.....................................................8 2.5.1 全线上模式——以“拍拍贷”为例..............................................................8 2.5.2 债权转让模式——以“宜信公司”为例......................................................9 2.5.3 担保/抵押模式——以“陆金所”为例...