网络借贷信用风险管理研究——以拍拍贷为例

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1、Contents1．Introduction．．11．1BackgroundandSignificance．11．1．1Background．11．1：2Significance21．：!ResearchStatus21．2．1DomesticResearchState．21．2．2ResearchStateAbroad．31．2_3AReviewofResearches．41．3ResearchMethodsandApproaches．41．3．1ResearchMethods．．41．3．2ResearchApproaches41．4Innovation

2、andDeficiencies．．．．．．．．．．．．．51．4．1Innovation．．．51．4．2Deficiencies52OverviewsofP2PNetworkLending．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．72．1OverviewofP2PNetworkLendingModel72．2DevelopmentTrendofP2PNetworkLending一．．82．3OverviewofP2PNetworkLendingCreditRisk．92．3．1Cre

3、ditR_skMeaning．92．3．2CreditRiskSource．．103CaseStudy．．．．．．．．．．．．．．．．．．．]【：13．1P2PNetworkLendingMarketStmcture123．1．1TheDevelopmentofChina’SNetworkLending123．1．2NetworkLendingMarketStructure．．143．2FundamentalAnalysisofPaipaidaiCreditRiskManagement．163．2．1PlatfotinIntroduction．163．2．2

4、ModelAnalysisofPaipaidaiBusinessl63．2．3PaipaidaiCreditRiskManagement204PaipaidaiCreditRiskManagementProblemsandCauseAnalysis224．1PaipaidaiCreditRiskIdentification．224．1．1PersonalCreditRisk．．224．1．2PlatformCreditRisk．．234．2ProblemsofPaipaidaiCreditRiskManagement．244．2．1Lackattention

5、tocreditmanagement24III万方数据4．2．2LackImerna】auditmechanism254．2．3Inadequatecreditratingcapacity254．2．4Poorsecurityofpersonalinformation．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．254．2．5Poordebtcollection．．．264．3CausesAnalysisofPaipaidaiCreditRiskManagement一264．3．1TheCauseofmacroeconornice

6、nvironmem．264．3．2TheCauseofinternalf．actors275TheSuggestionsofcreditriskmanagement．285．1Platfortnself-constructionangle．285．1．1Strengthentheawarenessofplatformcreditriskmanagement一285．1．2Buildplatformcreditriskinternalcontrolmechanism．285．2P2Pnetworklendingindustryangle．．．．．．．．．．．．

7、．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．295．2．1Domesticindustry1aWSandregulations．295．2．2Dome妣personalloallsCreditSystem．305．2．3DeepeningtheIndustryGovernmentSupervision．．．．．．．．．．．．．．．．．．．．30Refefences。．32Ⅳ万方数据摘要P2P网络借贷一直是我国金融领域的一个值得探讨的话题，不管是从新闻媒体还是从身边，我们都可以很直观得知道，其实P2P网络借贷里我们生活很近。单从其

8、定义方面来讲，P2P网络借贷是互联网金融创新的一种，