国内P2P网贷的风险控制策略研究——以宜信为例摘要P2P网贷是一种将分散的小额资金汇集起来借贷给有资金需求人群的一种民间小额借贷方式。P2P网贷是依托互联网技术而产生的一种新的借贷模式，同时满足了个人、小微企业的消费和经营性贷款需求，一定程度上促进了普惠金融的发展，也有利于国家金融体系完善。P2P网贷平台以其交易方式灵活、低准入门槛等特点被广大群众所接受。自2006年以来P2P网贷平台引入我国，我国的P2P网贷平台发展迅速，上海拍拍贷是我国最早的P2P网贷平台。P2P网贷平台自引入国内至今虽然历经时间较短，但是在互联网经济蓬勃发展大背景下迎来“井喷式”的迅速扩张阶段新兴的融资形式对于借贷条件相对较少，降低了传统商业银行要求抵押物作为降低信贷风险的约束性，为小、微企业解决融资壁垒问题，无疑P2P网贷平台有其积极作用。然而面对当下部门平台由于风险控制能力弱而倒闭，造成互联网金融贷款行业混乱，造成投资者的利益受损，不得否认网贷平台正遭受严峻的挑战。发展时间短，扩张速度快网贷平台固有的盲目性警醒我们构建并完善行业风险控制机制，解决平台运行过程中“防什么、怎么防”的问题，强化内部和外部环境管理。本文在研究内容上侧重于P2P网贷平台风险控制的现状，针对现状分析国内常见风险控制体系存在的问题，进而结合国内P2P网贷平台的代表企业——宜信。通过列举影响宜信风险控制的因素，如债券转让风险、债券转让风险、无抵押贷款风险等，分析其风险控制举措。分别从内部环境管理和外部环境管理两方面入手，总结得出网贷平台应该从防范信用风险和加强企业内部风险管理角度完善运行风险把控提升路径。关键词：P2P网贷平台风险把控风控策略AbstractP2Ponlinelendingisakindofprivatemicro-lendingmethodthatbringstogetherscatteredsmallfundstolendtopeopleinneedoffunds.P2PonlinelendingisanewlendingmodelbasedonInternettechnology,whichmeetstheconsumptionandoperationalloanneedsofindividualsandsmallandmicroenterprises,promotesthedevelopmentofinclusivefinancetoacertainextent,andisalsoconducivetotheimprovementofthenationalfinancialsystem.P2Ponlinelendingplatformisacceptedbythemassesforitsflexibletransactionmodeandlowentrythreshold.SincetheintroductionofP2Ponlinelendingplatformin2006,China'sP2Ponlinelendingplatformhasdevelopedrapidly.ShanghaipaipaidaiistheearliestP2PonlinelendingplatforminChina.AlthoughP2PonlinelendingplatformhasbeenintroducedintoChinaforashorttime,ithasusheredintherapidexpansionstageof"blowout"underthebackgroundofboomingInterneteconomy.Theemergingfinancingformsarerelativelylessintermsofborrowingandlendingconditions,reducingtheconstraintoftraditionalcommercialBankstorequirecollateralascreditriskreduction,andsolvingthefinancingbarriersforsmallandmicroenterprises.Undoubtedly,P2Ponlinelendingplatformshavetheirpositiverole.However,inthefaceofthefailureofthecurrentdepartmentalplatformduetoweakriskcontrolability,resultinginchaosintheInternetfinancialloanindustry,resultinginthelossofinvestors'interests,itisundeniablethattheonlineloanplatformissufferingfromseverechallenges.Withshortdevelopmenttimeandfastexpansionspeed,theinherentblindnessofonlineloanplatformsremindsustoconstructandimprovetheindustryriskcontrolmechanism,solvetheproblemof"whattopreventandhowtoprevent"intheprocessofplatformoperation,andstrengtheninternalandexternalenvironmentmanagement.Inordertoenrichthetheoreticalbasisandpracticalguidingroleofthearticle,thispaperUSESthemethodsofliteratureanalysis,thecombinationoftheoryandempiricalanalysis,comparativeanalysisandsoon.Intermsofresearchcontent,thispaperfocusesonthecurrentsituationofriskcontrolofP2Ponlinelendingplatform,analyzestheproblemsexistingincommonris...
