I 摘要 作为普惠金融的重要组成部分，P2P网贷的良性发展对维持我国金融体系稳 定起着重大作用。2018年，我国开展了网贷行业风险专项整治活动，敲响了网 贷行业风险管理的警钟，175号文的出台更是奠定了2019年整个行业清退转型 的主基调。在严治整改下，网贷平台必须坚持自查和风险管控以满足政策合规 要求，力争转型为网络小贷公司和持牌的消费金融机构。 本文以C网贷平台为研究对象，在信息不对称理论和信贷风险理论的基础 上，借助案例研究法、文献研究法和实地调研法从该平台的风险管理现状中挖 掘存在的问题，进一步分析这些问题产生的原因，并结合政策环境为平台提出 提升建议，降低信息不对称和信贷风险带来的隐患，帮助平台完善风险管理体 系。具体来说，首先，通过介绍C网贷平台的概况和风险管理模式，横向定位 了该平台在行业内所处的位置，找到了平台有待借鉴的优秀经验；然后，通过 分析C网贷平台风险管理模式和所面临的信用信贷风险、法律法规风险、网络 安全风险及市场运营风险，发现了C网贷平台存在以下问题：（1）贷后管理精 力投入过多；（2）监管政策变动反应滞后；（3）网络安全风险管理单薄。最 后，通过进一步挖掘发现，征信体系和风险管理体系不完善、组织架构和规章 制度未优化、忽视网络安全风险管理防范等三方面是造成以上问题的原因。 结合C网贷平台问题产生的原因及发展现状，本文提出了三点提升建议： 一是完善征信和风险管理体系，二是优化组织和制度体系，三是重视网络安全 风险的防范。本文研究为完善C网贷平台风险管理体系提供了意见指导，同时 也为网贷行业自律自查提供了参考范式。 关键词：网络借贷网贷平台风险管理 Abstract III Abstract Asanimportantpartofinclusivefinance,thehealthydevelopmentofP2Ponline lendinghasplayedasignificantroleinmaintainingthestabilityofChina'sfinancial system.In2018,Chinalaunchedaspecialriskrectificationactivityintheonlineloan industry,whichsoundedthealarmbellforriskmanagementintheonlineloan industry.ThepromulgationofCircular175laidthemaintonefortheretreatand transformationoftheindustryin2019.Understrictrectification,onlineloan platformsmustadheretoself-examinationandcontroltomeetpolicycompliance requirements,andstrivetotransformintoonlinesmallloancompaniesandlicensed consumerfinancialinstitutions. ThisarticletakestheC-netloanplatformastheresearchobject.Basedonthe informationasymmetrytheoryandcreditrisktheory,itusesthecasestudymethod, literatureresearchmethod,andfieldresearchmethodtodigoutandanalyzethe existingproblemsandtheexistingriskmanagementoftheplatform.Thecauseofthe problem,andproposedplatformdevelopmentsuggestionsincombinationwiththe policyenvironment,reducehiddendangerscausedbyinformationasymmetryand creditrisk,andhelptheplatformimprovetheriskmanagementsystem.Specifically, first,byintroducingtheoverviewandriskmanagementmodeloftheConlineloan platform,thepositionoftheplatformintheindustrywashorizontallyfound,andthe excellentexperiencetobelearnedfromtheplatformwasfound;then,byanalyzing therisksoftheConlineloanplatformThemanagementmodelandthecreditand creditrisks,legalandregulatoryrisks,cybersecurityrisks,andmarketoperationrisks facedthefollowingproblemsfoundintheConlineloanplatform:(1)excessive investmentinmanagementeffortsaftertheloan;(2)reactiontochangesinregulatory 华侨大学硕士学位论文 IV policiesLag;(3)weakmanagementofnetworksecurityrisk.Finally,throughfurther digging,itwasfoundthatthecreditinformationsystemandriskmanagementsystem areincomplete,theorganizationalstructureandrulesandregulationsneedtobe optimized,andnetworksecurityriskmanagementpreventionisignored.Thesethree reasonsarethereasonsfortheaboveproblems. BasedonthecausesanddevelopmentstatusoftheCnetworkloanplatform problem,thisarticleputsforwardthreesuggestionsforimprovement:firstly,to improvethecreditinformationandriskmanagementsystem;secondly,tooptimize theorganizationandsystem;andthethirdistopayattentiontothepreventionof networksecurityrisks.Theresearchinthisarticleprovidesguidanceforimproving theriskmanagementsystemoftheConlineloanplatform,andalsoprovidesa referenceparadigmfortheself-regulationandself-inspectionoftheonlineloan industry. Keywords：OnlinelendingOnlinelendingplatformRiskmanagement 目录 V 目录 第1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国内外研究现状.............................................................................................3 1.2.1网络借贷参与方国内外研究.................................................................3 1.2.2网络借贷风险管理国内外研究.............................................................9 1.2.3文献述评...............................................................................................12 1.3研究内容和方法...........................................................................................13 1.3.1研究内容...............................................................................................13 1.3.2研究方法...............................................................................................14 1.4研究思路与技术路线图...............................................................................14 1.5创新点...........................................................................................................15 第2章相关概念及理论基础.................................................................................17 2.1相关概念.......................................................................................................17 2.1.1网络借贷...............................................................................................17 2.1.2风险管理...............................................................................................17 2.1.3风险价值...............................................................................................18 2.2理论基础.......................................................................................................19 2.2.1信息不对称理论...................................................................................19 2.2.2信贷风险理论.......................................................................................19 2.3本章小结.......................................................................................................20 第3章C网贷平台风险管理现状..........................................................................21 3.1C网贷平台与行业概况................................................................................21 3.1.1C网贷平台简介....................................................................................21 3.1.2C网贷平台运营模式............................................................................22 华侨大学硕士学位论文 VI 3.1.3C网贷平台主要业务流程....................................................................22 3.1.4国内P2P网贷行业发展概况...............................................................24 3.2C网贷平台风险管理情况............................................................................25 3.2.1C网贷平台面临的风险........................................................................25 3.2.2C网贷平台风险管理办法....................................................................27 3.2.3C网贷平台风险管理实施保障............................................................29 3.3本章小结.......................................................................................................30 第4章C网贷平台风险管理分析..........................................................................31 4.1C网贷平台逾期情况分析............................................................................31 4.1.1逾期率分析...........................................................................................31 4.1.2逾期率对比分析...................................................................................32 4.2随机访谈调查分析.......................................................................................34 4.3C