P2P网贷平台财务风险分析与预警.docx

PAGE 25 P2P网络借贷平台财务风险分析与预警 摘 要 互联网金融的出现改变人们投资理财的方式。P2P网络借贷平台作为互联网金融的一种，以其便利性、低成本、低门槛、高效率的特点迅速在金融领域占领一席之地，为市场投资者提供了更多的理财选择。然而蓬勃发展的背后，P2P模式也逐渐显现出它的劣势，行业存在的财务风险问题突出，笔者本文从资产质量风险、盈利性风险、资本风险和流动性风险四个方面选择了八个P2P网络借贷平台进行分析。证明P2P网络借贷平台的财务风险高于传统金融机构。针对四种风险做出预警，最后结合风险管理理论，对其财务风险的防范提出切实可行的建议和有效的应对措施。 关键词：P2P；财务风险；风险预警；风险防范 Financial Risk Analysis and Early Warning of P2P Network Loan Platform Abstract：The emergence of Internet finance has changed the way of financing, investment. As a kind of Internet finance, P2P network lending platform quickly occupies a place in the financial field with its characteristics of convenience, low cost, low threshold and high efficiency, which provides more financial options for market investors. However, behind the vigorous development, the P2P model has gradually shown its disadvantages, and the financial risk problems in the industry are prominent. This paper chooses eight P2P network lending platforms from four aspects: asset quality risk, profitability risk, capital risk and liquidity risk to analyze. It proves that the financial risk of P2P network lending platform is higher than that of traditional financial institutions. Four kinds of risks are forewarned. Finally, combined with risk management theory, practical suggestions and effective measures are put forward to prevent financial risks. Key words: P2P;Financial risk; Early warning of risks; Risk prevention 目 录 TOC \o "1-3" \h \z \u 第1章 前言 1 1.1研究背景与研究意义 1 1.1.1研究背景 1 1.1.2研究意义 1 1.2文献综述 2 1.2.1国外文献综述 2 1.2.2国内文献综述 2 1.2.3文献述评 3 1.3研究内容 4 1.4研究方法 4 1.5研究创新 5 第2章 相关概念及理论基础 5 2.1.P2P网络借贷平台 5 2.1.1P2P网络借贷平台的概念 5 2.1.2P2P网络借贷平台的特征 5 2.1.3P2P网络借贷平台的主要财务风险 6 2.2相关理论基础 6 2.2.1信息不对称理论 6 2.2.2风险管理理论 7 2.2.3信用理论 7 第3章 P2P网络借贷平台财务风险分析 8 3.1资本风险分析 8 3.1.1风险准备充足率 8 3.1.2实缴资本的数额与业务量 9 3.2流动性风险分析 10 3.2.1金额拆标 11 3.2.2期限拆标 11 3.3盈利性风险分析 11 3.4资产质量风险分析 13 3.4.1借款人、投资者分散度 13 3.4.2逾期率 14 第4章 P2P网络借贷平台财务风险产生的原