Entire Risk Management of Chinese P2P Internet Financing Service

• Main Authors: LUO,MENG-JIA, 羅夢嘉
• Other Authors: SHEN,DA-BAI
• Format: Others
• Language: zh-TW
• Published: 2018
• Online Access: http://ndltd.ncl.edu.tw/handle/8468x2

碩士 === 東吳大學 === 會計學系 === 106 === P2P(Peer-to-Peer) is the most important business model in "Internet Finance". Its appearance makes the concept of inclusive finance system, democratic finance and financial disintermediation have spread out. It is an Internet financial technology combination of traditional lending innovation type, Skipping the traditional bank loan financing, borrowers and lenders can directly trade on the Internet platform. Due to the imperfect social credit system of mainland China, industry low barriers of entering and regulatory lag, the P2P industry presents explosive savage growth, investment risk events emerge in endlessly for large public and social and economic development has brought great negative impact. In order to achieve the compliance management of P2P and protect the legitimate rights and interests of financial consumers, promote the healthy and orderly development of industry, explore the risks of P2P, apply to build a set of comprehensive risk management system is very important. This study analyzes the current situation, mode and risk control mode of P2P development in inherent and external to explore the shortcomings and risk factors of Internet P2P model in mainland China. Moreover, select P2P industry in mainland China in the development of more successful platform enterprise "Yi-Xin" as a typical case, the borrowing mode and development status, risk and risk management analyzing how to explore the appropriate letter in frequent mess with the stable development environment is heavily regulated industry. Finally, by combining the COSO (The Committee of Sponsoring Organizations of the Treadway Commission) "enterprise risk management integration framework", a comprehensive risk management system for P2P enterprises is planned, which is expected to contribute to the healthy and orderly development of the industry.